Loans in Kankakee County, IL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kankakee County, IL.
The median household in Kankakee County earns $71,281 a year, 15% below the Illinois median of $83,390. About 12% of residents live below the federal poverty line, and 30.1% of households rent their home.
What you need for a personal loan in Kankakee County
Here's what to have on hand before you start your personal loan request in Kankakee County:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Kankakee County
What Kankakee County borrowers use it for
gifts and travel without maxing a card
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Kankakee County
Payday Loans Not available
Illinois still has a Payday Loan Reform Act, but since March 23, 2021 every consumer loan, including payday loans, is capped at 36% APR (all-in, Military Lending Act method) by…
Personal Loans
36% APR all-in cap on consumer loans; installment lenders up to $40,000.
Title Loans Limited
Title-secured loans may still be made by lenders licensed under the Consumer Installment Loan Act, but only at or below 36% APR (all-in).
Banks and credit unions in Kankakee County
Banks with branches in Kankakee County
33 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Midland States Bank | 8 | 119 N Main St, Grant Park 60940 |
| PNC Bank, National Association | 4 | 1 Dearborn Sq, Kankakee 60901 |
| First Trust Bank of Illinois | 4 | 275 E Court St, Kankakee 60901 |
| National Bank of St. Anne | 3 | 158 W Station St, St. Anne 60964 |
| Peoples Bank of Kankakee County | 3 | 315 Main St Nw, Bourbonnais 60914 |
| Foresight Bank | 2 | 10 Tobey Dr, Herscher 60941 |
| Municipal Trust and Savings Bank | 2 | 228 N Dixie Hwy, Momence 60954 |
| Woodforest National Bank | 2 | 2080 N State Route 50, Bourbonnais 60914 |
| First Financial Bank | 1 | 2000 W Court St, Kankakee 60901 |
| The Bank of Bourbonnais | 1 | 1 Heritage Dr, Bourbonnais 60914 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Kankakee County
10 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Illiana Financial | 1130 Armour Rd, Bourbonnais 60914 |
| Commonwealth | 563 William R Latham Sr Dr, Bourbonnais 60914 |
| Fieldstone | 395 N Bradley Blvd, Bradley 60915 |
| 2 Rivers Area | 296 W Jeffery St, Kankakee 60901 |
| Riverside Community | 368 Larry Power Rd, Bourbonnais 60914 |
| Elite Community | 515 S Main St, Bourbonnais 60914 |
| Kankakee Federation Of Teachers | 1200 W Jeffery St, Kankakee 60901 |
| Maternity B.V.M. | 7 Heritage Dr, Bourbonnais 60914 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Kankakee County
All Illinois counties and cities
Frequently asked questions
Are payday loans legal in Kankakee County?
Kankakee County follows Illinois law. Illinois still has a Payday Loan Reform Act, but since March 23, 2021 every consumer loan, including payday loans, is capped at 36% APR (all-in, Military Lending Act method) by the Predatory Loan Prevention Act.
Are title loans legal in Kankakee County?
Title-secured loans may still be made by lenders licensed under the Consumer Installment Loan Act, but only at or below 36% APR (all-in).
Where can I get a small loan in Kankakee County?
Options include 33 bank and 10 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Kankakee County?
Fill out our short online form from anywhere in Kankakee County. We share it with lenders in our network that serve Illinois; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get an emergency loan in Kankakee County?
Yes. When an unexpected bill comes up, Kankakee County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Kankakee County with bad credit?
Yes, many lenders in our network work with Kankakee County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I get a loan in Kankakee County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Kankakee County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Kankakee County?
Yes. You don't need to visit a branch or storefront anywhere in Kankakee County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Illinois. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.