Personal loans in Cambria, IL
About 1,769 people live in Cambria, placing it 498th of 1,294 Census places in Illinois. Population in Cambria climbed about 17.5% over the three years from 2020 to 2023. Cambria, Illinois — home to about 1,769 people — is a small community, so the terms you are offered follow Illinois law rather than any local rule. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Cambria's 1,769 residents. Read the disclosure for an origination fee and any prepayment penalty before signing in Cambria. For a bigger market, look to Carterville, IL about 2 miles away.
Cambria by the numbers
Cambria is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 1,769 people live here, which puts Cambria 498th of 1,294 Census places in Illinois (Vintage 2023).
- Population trend: Growth of about 17.5% across the 2020-to-2023 comparison.
- Absolute change: 264 residents added between 2020 and 2023.
- Size percentile: about 62% of Illinois communities are smaller than Cambria (1,769 residents).
- Density: the Census land area of 1.4 sq mi holds about 1,250 people per square mile.
- By land area: Cambria ranks 592nd among Illinois's 1,294 places, at 1.4 sq mi.
- Water area: Cambria has 0.04 square miles of water, ranking 310th of 1,294 places in Illinois.
- Share of Illinois: Cambria holds about 0.0% of the state's population, some 1,769 people.
- National rank: Cambria is 8,074th of 19,457 places nationwide.
- Growth in Illinois: Cambria stands 3rd by percentage change from 2020 to 2023, among 1,294 places.
- Versus Illinois: the state average change is -2.0%, while Cambria moved 17.5%.
- Density rank: Cambria places 508th among Illinois's places by people per square mile.
- Density in context: Cambria's 1,250 people per square mile sit against a Illinois median of 993.
- Location: latitude 37.7794, longitude -89.1194 (Census Gazetteer).
- Nearest larger cities: Carterville (2 mi); Herrin (5 mi); Carbondale (7 mi); Marion (10 mi); Johnston City (11 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Colp (3 mi); Crainville (4 mi); Hurst (4 mi), each with its own Census population profile.
- Smaller neighbours: 119 places smaller than Cambria sit within 50 miles.
- Within 100 miles: 187 places are larger than Cambria.
Which Illinois laws govern a loan in Cambria
Read the table as a lender's compliance picture for Cambria: the rule, the sourced figure, the publisher and the date.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Consumer Installment Loan Act license required from the Director of Financial Institutions (loans above 9% APR) Source says: "No person ... shall engage in the business of making loans of money ... except ... after first obtaining a license from the Director of Financial Institutions". | Illinois General Assembly (Illinois Compiled Statutes) as of 2026-09-16 |
Cambria in state context
Cambria is the 498th-largest of 1,294 Census places in Illinois and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Cambria stands 3rd among Illinois's 1,294 places — roughly the 100th percentile. By density, at about 1,250 people per square mile, it ranks 508th in Illinois. Between 2020 and 2023 the count changed by roughly 264 residents.
What shapes a Cambria personal loan
With roughly 1,769 residents, Cambria is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Cambria's 1,769 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Cambria loan but raises total interest, so the smallest payment is not the cheapest loan.
How lenders reach Cambria
Cambria is a moderately settled community of about 1,769 people, with 26 larger places inside a 50-mile radius. A Illinois licence lets a lender serve Cambria without a local office, so branch density does not change what its 1,769 residents are offered. The nearest bigger place is Carterville, IL about 2 miles away.
Land, water and location for Cambria
Inside Cambria's boundaries lie roughly 1.4 square miles of land and 0.04 square miles of water. With 1,769 residents, the land area yields roughly 1,250 people per square mile. The largest place in Illinois, Chicago, lies about 290 miles away. Cambria has 26 larger places within a 50-mile radius. Within the same 50 miles lie 119 smaller Census places.
Common questions
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Does comparing loans in Cambria cost me credit score points?
Nearby places
- Carterville, IL — population 5,808
- Colp, IL — population 175
- Bush, IL — population 238
- Hurst, IL — population 749
- Crainville, IL — population 1,473
- Herrin, IL — population 12,178
- Energy, IL — population 953
- Royalton, IL — population 1,043