Personal loans in Flora, IL

With 4,711 residents, Flora outranks about 74% of the communities in Illinois. A 2020-to-2023 comparison shows Flora down by about 1.8%. Decide the purpose of the loan and your repayment plan before sharing any details with a Flora lender. A larger market lies at Fairfield, IL about 20 miles away.

The Flora data picture

What follows is Flora's place in the Census record, alongside the Illinois rules that govern a personal loan made here.

• Population: about 4,711, ranked 339th of 1,294 places in Illinois (Census Vintage 2023 subcounty estimate).
• Population trend: About 1.8% below the 2020 Census base.
• Absolute change: 88 residents lost between 2020 and 2023.
• Size percentile: roughly 74% of Illinois's places have fewer residents than Flora's 4,711.
• Population density: about 1,004 people per square mile across 4.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Flora covers 4.7 square miles, the 276th-largest area among Illinois's 1,294 places.
• State population share: Flora accounts for about 0.0% of everyone in Illinois.
• National rank: Flora is 4,996th of 19,457 places nationwide.
• Growth rank: Flora's 2020-to-2023 change ranks 519th of 1,294 places in Illinois.
• Against the state trend: Flora's 1.8% change compares with a Illinois average of -2.0% across its 1,294 places.
• Density rank: Flora is the 644th most densely settled place in Illinois.
• Density in context: Flora's 1,004 people per square mile sit against a Illinois median of 993.
• Location: 38.6656, -88.4738 (Census Gazetteer coordinates).
• Nearest larger cities: Fairfield (20 mi); Olney (21 mi); Salem (26 mi); Effingham (32 mi); Mount Vernon (34 mi). Online lenders reach Flora no matter how far the nearest branch is.
• Smaller communities close by: Clay City (7 mi); Louisville (7 mi); Xenia (9 mi), each with its own Census population profile.
• Smaller places within 50 miles: 109 of them.
• Within 100 miles: 81 places are larger than Flora.

A pre-application checklist for Flora

Before you apply in Flora, a community of about 4,711, work through these steps:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Model the payment on the calculator before a lender models it for you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Check the Illinois regulator's records to confirm the lender is licensed here.
5. Make sure the new payment leaves room in a budget you already keep.
6. Pick the shortest term whose payment you can comfortably afford.
7. Borrow only what the purpose requires, not the maximum you are offered.

The process is identical across Illinois; what changes is your credit file, not the fact that Flora holds 4,711 people.

The Illinois lending rules that reach Flora

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

Land, water and location for Flora

Flora's land area is roughly 4.7 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 1,004 residents per square mile. Chicago, the largest place in Illinois, is about 223 miles from Flora. Counting outward 50 miles, 9 larger communities surround Flora. The 100-mile radius contains 81 larger places.

Flora's place among Illinois's 1,294 places

Within Illinois, Flora holds roughly 0.0% of all residents, the 339th-largest share among 1,294 places. On the 2020-to-2023 trend, Flora stands 519th among Illinois's 1,294 places — roughly the 60th percentile. At about 1,004 people per square mile, Flora is the 644th most densely settled place in Illinois. In land area, Flora ranks 276th among Illinois's 1,294 places.

Getting a loan in Flora

Flora is moderately settled, with about 1,004 people per square mile and 9 larger places within 50 miles. What is available to Flora's 4,711 borrowers is set by Illinois licensing and your own credit, not by how many branches are nearby. The nearest larger city, Fairfield, IL about 20 miles away.