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 Three Types of LoansSmall Consumer Loan: There are three types of payday or payday-like loans sold in Illinois. The least expensive of these is the small consumer loan. Under Illinois law, a lender can charge an Annual Percentage Rate (APR) of no more than 99% on a small consumer loan. This is by no means cheap, but it’s considerably less costly than a payday loan. So, be sure to shop around. Ask a lender if they sell small consumer loans. Be specific. If they don’t sell them, move on to a store that does. Stores that sell payday loans cannot sell small consumer loans. It is against the law. pokemon mmo games online no download

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