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As of 2011, numerous lenders offer installment loans in Illinois without a credit check. However, virtually all of the lenders specialize in. All rights that arenât expressly granted in these Usage Terms are reserved to PaydayAdvance.com. The headings within these Usage Terms are used solely for the sake of convenience, and they shall not affect the construction and interpretation thereof or hereof. The failure of a party to enforce or insist upon strict performance of any provision of these Usage Terms shall not be interpreted as representing a waiver of such or any future provision or right. If any provision of these Usage Terms is determined to not be valid or enforceable, that determination shall affect neither such provision in any other way nor any other provision of the Usage Terms, which shall remain in full force and effect. The PaydayAdvance.com Privacy Policy and these Usage Terms make up the entire agreement and understanding between the parties with respect to the subject matter contained therein and herein, and they take the place of any and all prior written or oral agreements related to the subject matter hereof. 1. You must earn at least $1000 per month with your current employer and have been with this employer for at least 3 months.