Personal loans in Cuba, IL
Cuba lost roughly 3.6% of its population across the 2020-to-2023 comparison. Two households in Cuba with comparable incomes can still be offered different rates; the city's 1,140 residents are not the reason.
With an estimated 1,140 residents, Cuba is the 608th-largest of 1,294 places in Illinois. A larger market lies at Lewistown, IL about 7 miles away. Lenders active in Cuba report to a Illinois supervisor, identified in the sourced rows below. Pull your credit reports and line up at least three offers before you apply from Cuba.
Borrowing in Cuba: the local picture
Most of what governs a Cuba loan is written in Illinois law rather than in the city; the sourced notes below make that split concrete.
- Population: the Census counts 1,140 residents in Cuba (Vintage 2023 subcounty estimate), the 608th-largest figure among Illinois's 1,294 places.
- Population trend: Roughly 3.6% fewer residents than the 2020 Census counted.
- Absolute change: 43 residents lost between 2020 and 2023.
- Size percentile: about 53% of Illinois's Census places are smaller than Cuba.
- Population density: 2,099 people per square mile on 0.5 square miles of land.
- Land area rank: Cuba's 0.5 square miles rank 1,013th of 1,294 places in Illinois.
- Within Illinois: about 0.0% of the state's population lives in Cuba.
- National rank: Cuba is 9,732nd of 19,457 places nationwide.
- Growth in Illinois: Cuba stands 1,062nd by percentage change from 2020 to 2023, among 1,294 places.
- State comparison: Illinois's places average -2.0% for 2020-to-2023, against Cuba's 3.6%.
- Density rank: Cuba places 195th among Illinois's places by people per square mile.
- Against the state median: Cuba runs about 2,099 residents per square mile, where the Illinois median is 993.
- Location: coordinates 40.4936, -90.1934 (US Census Bureau Gazetteer).
- Nearest larger cities: Lewistown (7 mi); Canton (10 mi); Havana (15 mi); Bushnell (17 mi); Farmington (17 mi). Larger metros often have more branches, but online lenders reach Cuba on the same terms.
- Nearest smaller towns: Smithfield (5 mi); Bryant (6 mi); St. David (7 mi).
- Smaller places within 50 miles: 95 of them.
- At 100 miles: 192 larger Census places fall inside that radius.
Illinois consumer-lending rules applied in Cuba
Every row below records a Illinois rule, its publisher and its retrieval date — the same rules a Cuba lender must follow.
| 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 |
Borrowing reach in Cuba
Cuba is a fairly dense community of about 1,140 people, with 47 larger places inside a 50-mile radius. Distance to a branch rarely matters for Cuba's 1,140 residents: the application is online and the price follows your credit file. The nearest larger city, Lewistown, IL about 7 miles away.
How Cuba compares across Illinois
Against Illinois's other places, Cuba accounts for about 0.0% of the state's population and ranks 608th of 1,294 by size. On the 2020-to-2023 trend, Cuba stands 1,062nd among Illinois's 1,294 places — roughly the 18th percentile. By density, at about 2,099 people per square mile, it ranks 195th in Illinois. Within 50 miles sit 95 smaller Census places, alongside the 47 that are larger.
What shapes a Cuba personal loan
Most loans made to Cuba's 1,140 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Cuba loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Cuba loan is knowable in advance — unlike a revolving card balance.
Cuba: area, density and distance
The Census Gazetteer records about 0.5 square miles of land within Cuba, with no significant water area listed. With 1,140 residents, the land area yields roughly 2,099 people per square mile. For the state's biggest city, Chicago, the distance is roughly 160 miles. Within 50 miles of Cuba there are 47 larger Census places. Within the same 50 miles lie 95 smaller Census places.
Common questions
What are my options in Cuba if my credit is poor?
What loan size can I expect in Cuba?
Do I have to pledge anything to borrow in Cuba?
Does comparing loans in Cuba cost me credit score points?
Nearby places
- Bryant, IL — population 165
- Smithfield, IL — population 185
- Lewistown, IL — population 1,964
- St. David, IL — population 507
- Dunfermline, IL — population 254
- Fairview, IL — population 413
- Canton, IL — population 12,875
- Ellisville, IL — population 88