Personal loans in Adeline, IL
Roughly 75 residents live in Adeline, the 1,259th-largest community in Illinois. Adeline is a small community of about 75 residents, and a personal loan taken out here is governed by Illinois statute.
Verify the lender's Illinois licence against the regulator named below before borrowing in Adeline. Which products a lender may offer to Adeline's 75 residents follows from the Illinois consumer-lending framework. The 2020 count to the 2023 estimate shows about 1.3% decline in Adeline. Borrowers who want a bigger city can look to Forreston, IL about 5 miles away.
Adeline: population, trend and location
Most of what governs a Adeline loan is written in Illinois law rather than in the city; the sourced notes below make that split concrete.
- Population: an estimated 75 residents, 1,259th of 1,294 places in Illinois (Census Vintage 2023 subcounty estimate).
- Population trend: About 1.3% below the 2020 Census base.
- People gained or lost: about 1 fewer since the 2020 base.
- Size percentile: roughly 3% of Illinois places rank below Adeline.
- Density: roughly 282 residents per square mile, spread over 0.3 sq mi of land.
- Land area rank: Adeline's 0.3 square miles rank 1,198th of 1,294 places in Illinois.
- Share of Illinois: Adeline holds about 0.0% of the state's population, some 75 people.
- National rank: Adeline is the 18,553rd most populous of the 19,457 Census places covered here.
- Growth rank: Adeline's 2020-to-2023 change ranks 319th of 1,294 places in Illinois.
- Against the state trend: Adeline's 1.3% change compares with a Illinois average of -2.0% across its 1,294 places.
- Density rank: Adeline is the 1,136th most densely settled place in Illinois.
- Density in context: Adeline's 282 people per square mile sit against a Illinois median of 993.
- Location: latitude 42.1406, longitude -89.4919 (Census Gazetteer).
- Nearest larger cities: Forreston (5 mi); Leaf River (5 mi); German Valley (5 mi); Mount Morris (7 mi); Ridott (11 mi). Lenders licensed in the state serve Adeline whether or not they keep a local branch.
- Nearest smaller towns: Deer Grove (38 mi); Hollowayville (55 mi); Durango (72 mi) — useful context for the surrounding area.
- Smaller neighbours: 1 places smaller than Adeline sit within 50 miles.
- Larger places within 100 miles: 781.
How lenders reach Adeline
Adeline is lightly settled, with about 282 people per square mile and 128 larger places within 50 miles. What is available to Adeline's 75 borrowers is set by Illinois licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Forreston, IL about 5 miles away.
Before you apply in Adeline
These steps shape the offer you get in Adeline, a place of about 75 people:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Line up several pre-qualified offers and let the APR decide.
- Verify the lender's Illinois licence with the regulator listed on this page.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Make sure the new payment leaves room in a budget you already keep.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
The process is identical across Illinois; what changes is your credit file, not the fact that Adeline holds 75 people.
The Illinois lending rules that reach Adeline
When Illinois does not publish a figure, the row links to the source instead of inventing a number; Adeline is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Illinois Department of Financial and Professional Regulation (IDFPR), Division of Financial Institutions Source says: "DFI licenses, charters, and examines a wide variety of financial products and services including: Consumer and Sales Finance and Collection Agencies". | Illinois Department of Financial and Professional Regulation as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 9% annual percentage rate (general written-contract interest cap) Source says: "it shall be lawful for the parties to stipulate or agree that an annual percentage rate of 9%, or any less sum". | Illinois General Assembly (Illinois Compiled Statutes) as of 2026-09-16 |
| Payday lending status | Permitted under license; capped at 36% annual percentage rate (payday loans) Source says: "shall not contract for or receive a charge exceeding a 36% annual percentage rate ... for a payday loan". | Illinois General Assembly (Illinois Compiled Statutes) as of 2026-09-16 |
Where Adeline sits
The Census Gazetteer records about 0.3 square miles of land within Adeline, with no significant water area listed. With 75 residents, the land area yields roughly 282 people per square mile. For the state's biggest city, Chicago, the distance is roughly 95 miles. Adeline has 128 larger places within a 50-mile radius. By land area it ranks 1,198th of 1,294 Illinois places.
Adeline's place among Illinois's 1,294 places
Against Illinois's other places, Adeline accounts for about 0.0% of the state's population and ranks 1,259th of 1,294 by size. On the 2020-to-2023 trend, Adeline stands 319th among Illinois's 1,294 places — roughly the 75th percentile. By density, at about 282 people per square mile, it ranks 1,136th in Illinois. Within 50 miles sit 1 smaller Census places, alongside the 128 that are larger.
Common questions
What are my options in Adeline if my credit is poor?
What loan size can I expect in Adeline?
Do I have to pledge anything to borrow in Adeline?
Does comparing loans in Adeline cost me credit score points?
Nearby places
- German Valley, IL — population 417
- Forreston, IL — population 1,410
- Leaf River, IL — population 423
- Mount Morris, IL — population 2,809
- Ridott, IL — population 123
- Polo, IL — population 2,252
- Oregon, IL — population 3,566
- Freeport, IL — population 23,136