Personal loans in Alhambra, IL
Consumer lending that reaches Alhambra's 608 residents is governed by Illinois statute; no city ordinance changes it. The Census counts 608 people in Alhambra, the 799th-largest figure among Illinois's 1,294 places. A personal loan in Alhambra is priced from your credit file and income, not from the fact that the city holds 608 people. Alhambra shed about 2.1% of its population between the 2020 base and the 2023 estimate. Judge Alhambra offers on total cost, not on how quickly the money arrives. The nearest larger metro is Hamel, IL about 5 miles away.
Alhambra: population, trend and location
The figures below are Alhambra's own — Census population, land area and coordinates — followed by the Illinois rules.
- Population: about 608, ranked 799th of 1,294 places in Illinois (Census Vintage 2023 subcounty estimate).
- Population trend: A loss of roughly 2.1% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 13 residents.
- Size percentile: about 38% of Illinois communities are smaller than Alhambra (608 residents).
- Population density: about 804 people per square mile across 0.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Alhambra ranks 886th among Illinois's 1,294 places, at 0.8 sq mi.
- State share: roughly 0.0% of Illinois's residents live in Alhambra (608 people).
- Nationally: Alhambra is the 12,376th-largest of 19,457 Census places in the dataset.
- Growth in Illinois: Alhambra stands 632nd by percentage change from 2020 to 2023, among 1,294 places.
- Versus Illinois: the state average change is -2.0%, while Alhambra moved 2.1%.
- Density in Illinois: Alhambra ranks 785th by people per square mile.
- Against the state median: Alhambra runs about 804 residents per square mile, where the Illinois median is 993.
- Location: it lies at 38.8874, -89.7369 in the Census Gazetteer.
- Nearest larger cities: Hamel (5 mi); Livingston (6 mi); Worden (6 mi); Marine (7 mi); Highland (9 mi). Living near a larger metro rarely changes what is available in Alhambra.
- Nearest smaller towns: Grantfork (6 mi); New Douglas (7 mi); Williamson (7 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 92 smaller Census places.
- Within 100 miles: 362 places are larger than Alhambra.
Where Alhambra sits
Inside Alhambra's boundaries lie about 0.8 square miles of land, with no significant water area recorded. With 608 residents, the land area yields roughly 804 people per square mile. The state's population centre of gravity, Chicago, is roughly 231 miles away. Counting outward 50 miles, 173 larger communities surround Alhambra. The 100-mile radius contains 362 larger places.
Alhambra against the rest of Illinois
Among Illinois's 1,294 places, Alhambra sits at 799th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 632nd of 1,294 Illinois places, putting it near the 51th percentile for growth. Its roughly 804 residents per square mile place it 785th among Illinois's places. Within 50 miles sit 92 smaller Census places, alongside the 173 that are larger.
The Alhambra borrowing checklist
For Alhambra's roughly 608 residents, these are the steps that most influence the offer:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- 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.
- Check the Illinois regulator's records to confirm the lender is licensed here.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Test the payment against your current bills before you commit.
The process is identical across Illinois; what changes is your credit file, not the fact that Alhambra holds 608 people.
What Illinois law requires in Alhambra
These are Illinois's sourced lending facts as they reach Alhambra's 608 residents; the state has no city-level rate rule.
| 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 |
Borrowing reach in Alhambra
Alhambra is moderately settled, with about 804 people per square mile and 173 larger places within 50 miles. Lenders licensed in Illinois reach Alhambra's 608 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Hamel, IL about 5 miles away.
Common questions
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Nearby places
- Livingston, IL — population 745
- Grantfork, IL — population 339
- Williamson, IL — population 177
- Hamel, IL — population 918
- New Douglas, IL — population 338
- Marine, IL — population 941
- Worden, IL — population 1,070
- Highland, IL — population 9,961