Personal loans in Beardstown, IL

Beardstown is home to roughly 5,749 people and stands 308th by size out of 1,294 Census places in Illinois. The trend for Beardstown between 2020 and 2023 is downward by roughly 3.5%. Consumer lending that reaches Beardstown's 5,749 residents is governed by Illinois statute; no city ordinance changes it. Decide the purpose of the loan and your repayment plan before sharing any details with a Beardstown lender. The next larger city is Jacksonville, IL about 22 miles away.

Where Beardstown stands

Beardstown is a small town; the notes below cover its population profile and the statewide rules that apply.

• Population: 5,749 — Beardstown ranks 308th of 1,294 communities in Illinois (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 3.5% from 2020 to 2023.
• People gained or lost: about 207 fewer since the 2020 base.
• Size percentile: with 5,749 residents, Beardstown is larger than about 76% of Illinois's Census places.
• Density: roughly 1,571 residents per square mile, spread over 3.7 sq mi of land.
• By land area: Beardstown ranks 338th among Illinois's 1,294 places, at 3.7 sq mi.
• Water area: Beardstown has 0.03 square miles of water, ranking 364th of 1,294 places in Illinois.
• Within Illinois: about 0.1% of the state's population lives in Beardstown.
• National rank: Beardstown sits 4,464th by population among the 19,457 places in this dataset.
• Growth rank: Beardstown ranks 1,017th among Illinois's 1,294 places for the 2020-to-2023 change.
• Against the state trend: Beardstown's 3.5% change compares with a Illinois average of -2.0% across its 1,294 places.
• Density rank: Beardstown is the 348th most densely settled place in Illinois.
• Density vs Illinois: Beardstown's 1,571 people per square mile compare with a state median of 993.
• Location: 40.0101, -90.4311 (US Census Bureau Gazetteer).
• Nearest larger cities: Jacksonville (22 mi); Macomb (34 mi); Canton (44 mi); Springfield (44 mi); Chatham (45 mi). A branch is convenient; it is not what sets your APR.
• Smaller towns nearby: Browning (9 mi); Arenzville (10 mi); Rushville (10 mi).
• Smaller neighbours: 137 places smaller than Beardstown sit within 50 miles.
• At 100 miles: 88 larger Census places fall inside that radius.

Land, water and location for Beardstown

Beardstown covers about 3.7 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 1,571 residents per square mile. The state's population centre of gravity, Chicago, is roughly 191 miles away. Within 50 miles of Beardstown there are 5 larger Census places. Within the same 50 miles lie 137 smaller Census places.

Illinois consumer-lending rules applied in Beardstown

Read the table as a lender's compliance picture for Beardstown: the rule, the sourced figure, the publisher and the date.

How personal loans work in Beardstown

Beardstown is a small town of about 5,749 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Beardstown's rank of 308th in Illinois: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Beardstown loan is knowable in advance — unlike a revolving card balance.

Where Beardstown sits in Illinois

Set beside Illinois's 1,294 places, Beardstown ranks 308th by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Beardstown stands 1,017th among Illinois's 1,294 places — roughly the 21th percentile. Its roughly 1,571 residents per square mile place it 348th among Illinois's places. Within 50 miles sit 137 smaller Census places, alongside the 5 that are larger.

Lender access in Beardstown

Beardstown is a moderately settled community of about 5,749 people, with 5 larger places inside a 50-mile radius. What is available to Beardstown's 5,749 borrowers is set by Illinois licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Jacksonville, IL about 22 miles away.