Personal loans in Delavan, IL
State law, not city hall, decides what a lender may do to Delavan's roughly 1,541 residents, and a state regulator supervises it. Roughly 1,541 residents live in Delavan, the 529th-largest community in Illinois. For a borrower among the roughly 1,541 residents of Delavan, a personal loan is a tool whose cost turns on the terms, not the address. Population in Delavan dropped about 2.2% over the three years from 2020 to 2023. Begin with the payment, then weigh APR and total interest across the lenders that reach Delavan's 1,541 residents. A larger market lies at Tremont, IL about 11 miles away.
Delavan by the numbers
Most of what governs a Delavan loan is written in Illinois law rather than in the city; the sourced notes below make that split concrete.
- Population: 1,541 — Delavan ranks 529th of 1,294 communities in Illinois (US Census Bureau, Vintage 2023).
- Population trend: A drop of about 2.2% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 34 residents.
- Size percentile: Delavan's 1,541 people outrank roughly 59% of the places in Illinois.
- Land and density: 1.4 square miles of land carry roughly 1,069 residents per square mile.
- Land area: Delavan covers 1.4 square miles, the 589th-largest area among Illinois's 1,294 places.
- State share: roughly 0.0% of Illinois's residents live in Delavan (1,541 people).
- National rank: Delavan sits 8,594th by population among the 19,457 places in this dataset.
- Growth rank: Delavan ranks 657th among Illinois's 1,294 places for the 2020-to-2023 change.
- State comparison: Illinois's places average -2.0% for 2020-to-2023, against Delavan's 2.2%.
- Density in Illinois: Delavan ranks 609th by people per square mile.
- Density vs Illinois: Delavan's 1,069 people per square mile compare with a state median of 993.
- Location: the Census Gazetteer records it at 40.3710, -89.5461.
- Nearest larger cities: Tremont (11 mi); Mason City (14 mi); Pekin (14 mi); Mackinaw (15 mi); Morton (17 mi). Online lenders reach Delavan no matter how far the nearest branch is.
- Nearest smaller towns: San Jose (6 mi); Green Valley (6 mi); Emden (6 mi) — useful context for the surrounding area.
- Smaller neighbours: 107 places smaller than Delavan sit within 50 miles.
- Larger places within 100 miles: 162.
Delavan in state context
Against Illinois's other places, Delavan accounts for about 0.0% of the state's population and ranks 529th of 1,294 by size. For population change between 2020 and 2023, Delavan ranks 657th of 1,294 in Illinois (about the 49th percentile). At about 1,069 people per square mile, Delavan is the 609th most densely settled place in Illinois. In land area, Delavan ranks 589th among Illinois's 1,294 places.
Illinois consumer-lending rules applied in Delavan
These are Illinois's sourced lending facts as they reach Delavan's 1,541 residents; the state has no city-level rate rule.
| 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 Delavan
Delavan is moderately settled, with about 1,069 people per square mile and 51 larger places within 50 miles. What is available to Delavan's 1,541 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 Tremont, IL about 11 miles away.
Delavan on the map
The Census Gazetteer records about 1.4 square miles of land within Delavan, with no significant water area listed. Spread across it are roughly 1,069 residents per square mile. The state's population centre of gravity, Chicago, is roughly 140 miles away. Within 50 miles of Delavan there are 51 larger Census places. By land area it ranks 589th of 1,294 Illinois places.
A pre-application checklist for Delavan
These steps shape the offer you get in Delavan, a place of about 1,541 people:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Use the loan calculator to test the payment on your intended amount and term.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the lender holds a Illinois licence by checking the regulator named above.
- Be clear on what the loan is for and how it gets repaid.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Check the disclosure for fees that raise the true cost above the quoted rate.
In Delavan as elsewhere in Illinois, the written terms — not the advertisement — are what count for its 1,541 residents.
Common questions
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Nearby places
- San Jose, IL — population 461
- Emden, IL — population 455
- Green Valley, IL — population 612
- Hopedale, IL — population 805
- Hartsburg, IL — population 256
- South Pekin, IL — population 966
- Tremont, IL — population 2,243
- New Holland, IL — population 267