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.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Cambria by the numbers

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

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.

RuleDetailSource
State lending regulatorIllinois 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 statusPermitted 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 licensingConsumer 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.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Cambria if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Cambria is the same as anywhere in Illinois.
What loan size can I expect in Cambria?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Cambria?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Cambria cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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