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Loans for Bad Credit Illinois

Life can be tough at times. Dealing with a poor credit score can make life even harder. Many financial institutions may refuse to offer loans when you need one. But not Wise Loan. We proudly work with anyone with poor credit for a bad credit loan in Illinois.

Bad Credit Loans

With nearly half of all Americans suffering from poor credit, it only makes sense for Wise Loan to have a bad credit loan option available. After all, we all need help at times. That’s why our loan options are available—to help tackle your next financial challenge.

What are Bad Credit Loans?

A bad credit loan is a type of online personal loan designed to help individuals with poor credit. The setup is the same. The key difference between your average personal loan and a bad credit loan is the varying interest rate.

How do Bad Credit Loans Work?

If you have ever applied for a personal loan, then you’re one step ahead. A bad credit loan is similar. Once approved, the money is deposited into your bank account within 24 hours. In some cases, you’ll have the money on the same day if approved before 11 a.m. CT. As you repay the loan, your credit score may approve, too!

Find a bad credit loan in Illinois to meet life’s challenges with Wise Loan. Call 800-516-7840!


These Terms and Conditions govern each credit application you submit to Essential Lending, Inc. (ELI) and each loan that you may obtain from ELI. ELI offers installment loans that are designed to help you with your immediate cash needs. ELI encourages you to borrow only what you need and what you are able to responsibly repay.

Governing Law

The transactions related to your credit application and any loan that you may obtain from ELI shall be governed by the laws of the state of Illinois, regardless of where you may be viewing or accessing the ELI website.

Application Certification and Verification

You certify that the information supplied by you on this website in or as part of your credit application is true, complete and correct. You authorize ELI, its authorized representatives, servicers, and/or assignees to verify the information by contacting any of the persons or firms listed by you. You fully release all parties from claims of damage that may arise out of or relate to any such contacts. Any false information submitted on this website in or as part of your credit application shall be sufficient reason for denial of your loan request. You authorize ELI and its authorized representatives to obtain information about you from one or more consumer reporting agencies and other sources. You understand that ELI reserves the right to withhold funding of your loan, at any time prior to disbursement, to allow ELI to verify any information that you provide.

Fair Credit Report Act Disclosure

We may make inquiries concerning your credit history and standing, and may report information concerning your performance, including but not limited to late payments, missed payments, or other defaults, to credit reporting agencies. Late payments, missed payments, or other defaults on your loan may be reflected in your credit report.

Notice Regarding Defaulting on Your Loan

You will be in default if (i) you have an outstanding amount of one full payment or more which has remained unpaid for more than 10 days after the scheduled or deferred due date, (ii) you fail to observe or perform any other covenants or duties contained in this Agreement if the failure materially impairs the condition, value or protection of Lender’s right in any collateral securing this Agreement, or materially impairs your ability to pay any of the obligation when due

Local Reviews
for Freeport,Joliet,Lena, IL

Wise Loan Rated 3.0 out of 5 stars based on 1 customer reviews

Map of Joliet, IL

Aesome Customer service

Review of Wise Loan

People are very nice and courteous just takes too long to get someone on the phone

Claire B.

Claire B.

Near Elmwood Ave, Joliet, IL 60433