Effingham, IL Cash Advances and Title Loans

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The Cash Store in Effingham, IL offers 3 kinds of loans - cash advances, title loans, and installment loans. When you come in, you will be greeted by a friendly Cash Store employee who will answer your questions and explain our loan application process. So stop in and get the cash you need today.

Loan Type

Loan Limit

Installment Loans$2,650
Cash Advance$865
Title Loans$4,000

How Does It Work?

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 I Need To Bring?

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

Have more questions? Read our FAQs

Cash Store Locations in Effingham, IL


1. Cash Store

1304 Thelma Keller Ave Ste 106Effingham, IL 62401

(217) 347-7000

10 AM - 6 PM
10 AM - 6 PM
10 AM - 6 PM
10 AM - 6 PM
10 AM - 6 PM
10 AM - 2 PM

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Effingham, IL Facts

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.

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*Loan Amount is subject to loan approval. Loan terms and availability may vary by location.  Approval rate based on complete applications received across all Cash Store locations. Customers can typically expect to receive loan proceeds in less than 20 minutes; however, processing times may vary.

Loans / Advances are provided based on approved credit. Cottonwood Financial uses a proprietary model to evaluate the creditworthiness of each applicant for credit. Vehicle is subject to evaluation for title/auto equity loans. Please see the Licenses and Rates page for additional product details.

Cottonwood Financial offers consumer credit products that are generally short-term in nature and not intended for long-term borrowing needs. In Texas, Cash Store is a Credit Services Organization and Credit Access Business. Loans are provided by a non-affiliated third-party lender. 

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