Personal loans in Evansville, IL

For a borrower among the roughly 538 residents of Evansville, a personal loan is a tool whose cost turns on the terms, not the address. When Illinois caps or restricts a product, lenders either change the terms or withdraw it from Evansville as from the rest of the state. The Census estimates 538 residents in Evansville, which ranks it 833rd of 1,294 places in Illinois. Judge Evansville offers on total cost, not on how quickly the money arrives. Evansville lost roughly 2.0% of its population across the 2020-to-2023 comparison. The closest larger city is Red Bud, IL about 9 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.

Borrowing in Evansville: the local picture

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

Getting a loan in Evansville

At roughly 683 people per square mile, Evansville is moderately settled; 156 larger places lie within 50 miles. Lenders licensed in Illinois reach Evansville's 538 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Red Bud, IL about 9 miles away.

Land, water and location for Evansville

The Census Gazetteer records 0.8 square miles of land and 0.03 square miles of water within Evansville. The resulting density is about 683 people per square mile. The largest place in Illinois, Chicago, lies about 285 miles away. Within 50 miles of Evansville there are 156 larger Census places. The 100-mile radius contains 339 larger places.

How a Evansville personal loan is priced

With roughly 538 residents, Evansville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Evansville loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Evansville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How Illinois law applies in Evansville

Every row below records a Illinois rule, its publisher and its retrieval date — the same rules a Evansville lender must follow.

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

How Evansville compares across Illinois

Evansville is the 833rd-largest of 1,294 Census places in Illinois and contains about 0.0% of the state's people. For population change between 2020 and 2023, Evansville ranks 592nd of 1,294 in Illinois (about the 54th percentile). By density, at about 683 people per square mile, it ranks 870th in Illinois. The population moved by about 11 people between 2020 and 2023, a 2.0% shift.

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 Evansville 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 Evansville is the same as anywhere in Illinois.
What loan size can I expect in Evansville?
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 Evansville?
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 Evansville 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

Related