States › Illinois › Payday loan, title loan, personal loan, or advance loan
Who in Illinois is complaining aboutPayday loan, title loan, personal loan, or advance loan?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Illinois consumers filed 508 complaints under “Payday loan, title loan, personal loan, or advance loan” in the 12 months to 1 Oct 2026, up 29% on the 394 of the 12 months before. That is 4.00 per 100,000 residents, below the national 5.20.
The category makes up 0.2% of the state's complaints, against 0.3% nationally. 6.4% of closed complaints ended with monetary or non-monetary relief (5.6% nationally) and 95.3% of responses were timely.
Companies with the most Payday loan, title loan, personal loan, or advance loan complaints from Illinois, with their size
Ordered by complaints from Illinois consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from IL, 12 months | Share | Company size |
|---|---|---|---|
| Affirm Holdings, Inc | 71 | 14% | no public measure |
| OneMain Finance Corporation | 27 | 5.3% | no public measure |
| Uprova Credit, LLC | 23 | 4.5% | no public measure |
| Opportunity Financial, LLC | 21 | 4.1% | no public measure |
| GVA Holdings, LLC | 17 | 3.3% | no public measure |
| SOFI TECHNOLOGIES, INC. | 16 | 3.1% | $57bn assets |
| UPGRADE, INC. | 14 | 2.8% | no public measure |
| Klarna AB | 14 | 2.8% | no public measure |
| Upstart Holdings, Inc. | 12 | 2.4% | no public measure |
| Paramount GR Holdings, LLC | 12 | 2.4% | no public measure |
| SYNCHRONY FINANCIAL | 11 | 2.2% | $115bn assets |
| Dave Operating, LLC | 11 | 2.2% | no public measure |
| Block, Inc. | 9 | 1.8% | no public measure |
| ACIMA CREDIT, LLC | 9 | 1.8% | no public measure |
| TRUIST FINANCIAL CORPORATION | 9 | 1.8% | $548bn assets |
| MARINER FINANCE, LLC | 7 | 1.4% | no public measure |
| Avant Holding Company, Inc. | 6 | 1.2% | no public measure |
| Self Financial Inc. | 6 | 1.2% | no public measure |
| Tower Loan of Mississippi, Inc. | 5 | 1% | no public measure |
| Thaxton Investment Corporation | 5 | 1% | no public measure |
| All other companies, including those not listed by name | 203 | 40% | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 3 of the 20 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
Issues
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 120 | 23.6% |
| Problem when making payments | 88 | 17.3% |
| Struggling to pay your loan | 52 | 10.2% |
| Getting the loan | 44 | 8.7% |
| Problem with additional add-on products or services | 40 | 7.9% |
| Problem with the payoff process at the end of the loan | 39 | 7.7% |
| Incorrect information on your report | 34 | 6.7% |
| Problem with a company's investigation into an existing problem | 17 | 3.3% |
| Can't stop withdrawals from your bank account | 10 | 2% |
| Getting a line of credit | 10 | 2% |
| Other CFPB issue categories | 54 | 10.6% |
How companies responded
- Closed with explanation458 · 90.2%
- Closed with monetary relief19 · 3.7%
- Closed with non-monetary relief13 · 2.6%
- In progress9 · 1.8%
- All other categories9 · 1.8%
| Measure | Illinois, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 4.00 | 5.20 |
| Closed with monetary or non-monetary relief | 6.4% | 5.6% |
| Responses marked timely | 95.3% | 94.6% |
Trend
Other products in Illinois
Credit reporting or other personal consumer reports · 271,533Debt collection · 10,733Credit card · 3,502Checking or savings account · 3,286Money transfer, virtual currency, or money service · 1,432Mortgage · 1,151Vehicle loan or lease · 939Student loan · 824
Questions and answers
How many Payday loan, title loan, personal loan, or advance loan complaints come from Illinois?
508 in the 12 months to 1 Oct 2026, 394 in the 12 months before and 1,200 since 2011.
Is that high for the population?
4.00 per 100,000 residents in Illinois against 5.20 nationally.
Which issues come up most?
“Charged fees or interest you didn't expect” (23.6%), “Problem when making payments” (17.3%), “Struggling to pay your loan” (10.2%), “Getting the loan” (8.7%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.