There probably isn't any criminal charges unless they can prove you frauded them or never intended to pay it back or didn't reasonably have the means to pay it back to begin with. Otherwise, their remedy would be to serve you in civil court and get a civil judgement against you.
If you borrow money from a licensed high-interest lender in Illinois, you are obligated to pay the principal, interest and other charges in the loan agreement. There is no criminal liability for failure to repay a loan.
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