Personal loans in Clayton, IL

Personal loans in Clayton are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 621 population. Price two or three terms so you can see which payment is truly affordable in Clayton. Lenders active in Clayton report to a Illinois supervisor, identified in the sourced rows below. The nearest larger metro is Camp Point, IL about 6 miles away.

Clayton: the sourced local profile

The figures below are Clayton's own — Census population, land area and coordinates — followed by the Illinois rules.

• Population: about 621, ranked 788th of 1,294 places in Illinois (Census Vintage 2023 subcounty estimate).
• Population trend: A drop of about 2.8% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 18 residents.
• Size percentile: about 39% of Illinois communities are smaller than Clayton (621 residents).
• Land and density: 0.9 square miles of land carry roughly 702 residents per square mile.
• Land area: Clayton covers 0.9 square miles, the 817th-largest area among Illinois's 1,294 places.
• Share of Illinois: Clayton holds about 0.0% of the state's population, some 621 people.
• National rank: Clayton is 12,280th of 19,457 places nationwide.
• Growth in Illinois: Clayton stands 889th by percentage change from 2020 to 2023, among 1,294 places.
• Versus Illinois: the state average change is -2.0%, while Clayton moved 2.8%.
• Density in Illinois: Clayton ranks 854th by people per square mile.
• Density vs Illinois: Clayton's 702 people per square mile compare with a state median of 993.
• Location: 40.0306, -90.9580 (US Census Bureau Gazetteer).
• Nearest larger cities: Camp Point (6 mi); Golden (6 mi); Mount Sterling (11 mi); Mendon (18 mi); Payson (21 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller places close by: Mound Station (5 mi); La Prairie (8 mi); Columbus (10 mi).
• Smaller neighbours: 76 places smaller than Clayton sit within 50 miles.
• Larger places within 100 miles: 278.

Clayton in state context

Among Illinois's 1,294 places, Clayton sits at 788th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Clayton stands 889th among Illinois's 1,294 places — roughly the 31th percentile. At about 702 people per square mile, Clayton is the 854th most densely settled place in Illinois. Between 2020 and 2023 the count changed by roughly 18 residents.

How a Clayton personal loan is priced

Most loans made to Clayton's 621 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Clayton's rank of 788th 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 Clayton loan is knowable in advance — unlike a revolving card balance.

The geography behind Clayton

Clayton's land area is roughly 0.9 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 702 residents per square mile. For the state's biggest city, Chicago, the distance is roughly 212 miles. Within 50 miles of Clayton there are 42 larger Census places. The 100-mile radius contains 278 larger places.

How Illinois law applies in Clayton

Below are the Illinois rules that apply to a loan made in Clayton, each with the regulator that issued it.

Borrowing reach in Clayton

Clayton is a moderately settled community of about 621 people, with 42 larger places inside a 50-mile radius. What is available to Clayton's 621 borrowers is set by Illinois licensing and your own credit, not by how many branches are nearby. The nearest larger city, Camp Point, IL about 6 miles away.