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Personal Loans in Illinois

A personal loan in Illinois is a fantastic way to pay off student debt, take the family on a vacation, or finally finish your home renovation project. Here at Wise Loan, we’ve made the online personal loan process simple and straightforward. It’s easy to apply, repay, and get enough quick cash to cover any of life’s expenses when you’re in a tough spot.

What Is a Personal Loan?

A personal loan is a type of cash loan available online. Once your loan application is accepted, the money is deposited within 24 hours into your account. You’re then responsible for paying off the loan in fixed monthly installments. Generally speaking, these installments range from 6 to 12 months, but some loans may vary.

What Can I Pay For with a Personal Loan?

Once approved, you can use your personal loan for anything you need. You can pay for:

  • Debt consolidation
  • Medical bills
  • Home improvement projects
  • A vacation
  • Special events

The money is yours to use as you see fit!

What’s the Difference Between a Personal Loan and a Line of Credit?

The key difference between a personal loan and a line of credit is how you receive the money. With a personal loan, you receive your cash all at once. With a line of credit, you draw some of the money, repay it, then repeat.

Can I Get a Personal Loan with Bad Credit?

Yes, it is entirely possible to receive a personal loan despite having a poor credit score. At Wise Loan, we ensure everyone has a chance at an online personal loan.

Get your very own personal loan in Illinois from 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