Online PDL not licenced in my state

I was looking into laws if a payday loan if they are on the Internet if they do not have to follow my State laws in IL and so far I have herd it does not matter if they are not licensed in my state or illegal I do not have to pay them but I found this from bbb saying that they can get around it. I am closing my account tom and sending out the letters

I found this

Lenders may be hard to locate or impossible to contact. Some hide behind anonymous domain registrations or may be located outside the U.S. The borrower can face difficulties communicating with Web lenders regarding any questions they may have or to resolve disputes that may arise.

Internet payday lenders can bypass state usury laws and consumer protections by locating in states with lax regulations. They can make loans without complying with the licensing requirements or other protections of the borrower's home state.

Completing online payday loan applications can expose the borrower to privacy and security risks if the lender does not abide by strict privacy policies or the Web site is not secure.