Happy New Year! All Cash Stores will be closed on Friday 1/1 and will reopen Saturday 1/2 at normal hours.

Effingham, IL Cash Advances and Title Loans

Loan Options in Effingham, IL Loan Limit*
Cash Advance/Installment Loans $2,650
Title Loans $4,000
Three simple steps icons - check, documents, money

3 Simple Steps

  • Step 1 -

    Start your application online and save time using our short, secure form.

  • Step 2 -

    Gather the required documents and bring them with you to a Cash Store location.

  • Step 3 -

    Pick up your cash the very same day - no overnight wait!

What Do You Need To Bring In

Required Documents

  • Your most recent paycheck stub or other proof of income
  • The most recent checking account statement (account must be open 30 days)
  • A personal check and/or debit card
  • Valid driver’s license or state-issued ID

1304 Thelma Keller Ave Ste 106, Effingham, IL 62401

Phone: (217) 347-7000

Store Hours: 10-6 M-F, 10-2 Sat

Get Directions


1 mile south of Lake Pauline. 3 blocks north of Thelma Keller Convention Center.

Public Transit:

Not Available

Driving Directions:

From IH-57 turn take exit #160 and head north on Keller Drive for half a mile and turn right on Thelma Keller Avenue. The Cash Store will be on your left in the Crossroads Plaza North shopping center, next to Great Clips, facing Midland States Bank.

More facts about Effingham, IL

Effingham, Illinois can trace its history back to 1814 when it was originally known as Broughton, Illinois. The name Broughton was then changed to Effingham in 1859. Local legend says that the name Effingham was installed to honor Thomas Howard the Earl of Effingham. Mr. Howard was a British officer who resigned his post because he refused to fight the Colonists during the Revolutionary War.

Throughout its history, Effingham has always been known as a crossroads city. In the nineteenth century, the city was a crossing point for the old Pennsylvania Railroad and the former Illinois Central Railroad. Even today, the city calls itself “The Crossroads of Opportunity” due to the fact that several major highways pass through the city. Both Interstate 57 and Interstate 70 come through Effingham. In addition, the city is also the intersection of US Highway 45, US highway 40, Illinois Highway 33, and Illinois Highway 32. For a town of only 12,300, the presence of so many major roads is extremely unusual.

Effingham also hosts several budget-friendly events throughout the year, including the Effingham Farmer's Market, Ham City Jam Skate Competition, Farm Toy Show, and the EPC Corn Hole Tournament. Effingham is full of culture and history too. The Ballard Nature Center, a 210-acre parcel of land east of Altamont, Illinois, is a great place for everyone to enjoy and learn about nature. Effingham’s convenient location in the center of Illinois coupled with its seemingly endless recreational activities make the city an excellent place to live and also visit. Finally, the most unique landmark that the city has to offer is the Cross at the Crosswords, a giant white cross erected along Interstate 57 and Interstate 70. Standing at 198-feet, it is considered to be one of the largest crosses in the entire world.
Effingham, IL Living Costs
Median Home Cost $156,800.00
Average Rent - 1 Bedroom $540.00
Average Rent - 2 Bedrooms $650.00
Average Cost of Dining Out - Dinner $36.25
Average High Speed Internet Bill $42.47
Average Electric Bill $90.66
Average Cable TV Bill $54.45
Average Phone Bill $23.93
Effingham, IL Transportation Costs
Central Illinois Public Transit - One way trip $2.00
Effingham, IL Activities Costs
Effingham Farmer's Market FREE
Ham City Jam (Skate Competition) - Entrance fee $10.00
Bliss Park FREE
Camp Lakewood Campground and RV Park - RV Rental $32.00-$182.00
Camp Lakewood Campground and RV Park - Cottages $72.00 - $83.00 per night
Camp Lakewood Campground and RV Park - Cabins $40.00-$48.00 per night
TREC Recreational Trails FREE
Farm Toy Show - Adults $2.00
Farm Toy Show - 10 yrs and under FREE
EPC Corn Hole Tournament - Team Fee $30.00
EPC's Youth Theatre Camp $100.00 for two weeks
Ballard Nature Center FREE
Historic National Road FREE
Effingham, IL Sporting Event Costs
Adult Coed Softball - Individual Fee $185.00
Adult Coed Volleyball - Team Fee $245.00
Youth Baseball - In district $25.00
Youth Baseball - Out of district $57.00


*Subject to loan approval. Vehicle is subject to evaluation for title loans and auto equity loans.

Yellow icon check mark in a circle

How Much Can I Get?



Save time in the store by applying online.

By completing submission you agree to Cash Store TermsCash Store will send you communications and product announcements targeted to your interests. You may opt-out at any time.