Personal loans in Quincy, IL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Quincy, IL.
The median household in Quincy earns $56,480 a year, 32% below the Illinois median of $83,390. About 17% of residents live below the federal poverty line, and 36.4% of households rent their home.
Illinois law that applies in Quincy
| Rate cap | 36% APR, calculated the all-in Military Lending Act way, on the unpaid balance of the amount financed, for loans made or renewed on or after March 23, 2021. |
|---|---|
| License required | Yes. |
| Loan sizes covered | A CILA licensee may lend up to $40,000 in principal. |
Full rules with statute citations: Personal Loans in Illinois. Cities in Illinois cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Quincy
Here's what to have on hand before you start your personal loan request in Quincy:
- 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 Quincy
What Quincy borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Quincy
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Quincy
22 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| United Community Bank | 4 | 200 N 33rd St, Quincy 62301 |
| First Bankers Trust Company, National Association | 4 | 1201 Broadway St, Quincy 62301 |
| Town & Country Bank Midwest | 2 | 524 N 30th St, Quincy 62301 |
| State Street Bank and Trust Company | 2 | 801 State St, Quincy 62301 |
| HomeBank | 2 | 1132 Broadway St, Quincy 62301 |
| Bank of Springfield | 2 | 1111 Maine St, Quincy 62301 |
| First Mid Bank & Trust, National Association | 1 | 636 Hampshire St, Quincy 62301 |
| Central State Bank | 1 | 900 S 12th St, Quincy 62301 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Quincy
5 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| United Community | 1001 Vermont St, Quincy 62301 |
| Members ""First"" Community | 329 N 24Th St, Quincy 62301 |
| Western Illinois School Employees | 1416 Maine St, Quincy 62301 |
| Quincy Postal Employees | 3535 Locust St, Quincy 62301 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Adams County ·
Frequently asked questions
Can I get a personal loan with bad credit in Quincy?
Possibly. Lenders in our network consider applicants with fair and bad credit across Illinois, including Quincy. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Quincy, IL?
36% APR all-in cap on consumer loans; installment lenders up to $40,000.
How fast can I get a personal loan in Quincy?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Can I get an emergency loan with bad credit in Quincy?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Quincy residents can see if they qualify in about 3 minutes.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Where can I find a loan for bad credit in Quincy?
You can apply at local banks and lenders in Quincy, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
How do I apply for a personal loan with bad credit in Quincy?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Quincy borrowers who qualify.
Do I need to visit a store in Quincy?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.