Personal loans in Gulfport, IL

A personal loan in Gulfport is priced from your credit file and income, not from the fact that the city holds 37 people. By population, Gulfport sits at 1,283rd in Illinois, with an estimated 37 residents.

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.

Price two or three terms so you can see which payment is truly affordable in Gulfport. From the 2020 Census base to the 2023 estimate, the population declined by about 5.1%. A single loan can carry different costs on either side of a state line, and Gulfport sits on the Illinois side of that line. Borrowers who want a bigger city can look to Burlington, IA about 2 miles away.

Where Gulfport stands

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

What shapes a Gulfport personal loan

Gulfport is a small community of about 37 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Gulfport can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Gulfport loan is knowable in advance — unlike a revolving card balance.

Getting a loan in Gulfport

Gulfport is sparsely settled, with about 26 people per square mile and 126 larger places within 50 miles. A Illinois licence lets a lender serve Gulfport without a local office, so branch density does not change what its 37 residents are offered. The nearest bigger place is Burlington, IA about 2 miles away.

Gulfport in state context

Set beside Illinois's 1,294 places, Gulfport ranks 1,283rd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Gulfport stands 1,266th among Illinois's 1,294 places — roughly the 2th percentile. Its roughly 26 residents per square mile place it 1,292nd among Illinois's places. By land area, its 1.4 square miles rank 594th of 1,294 places in Illinois.

How Illinois law applies in Gulfport

This table holds the Illinois rate and licensing rules for consumer loans made to Gulfport's 37 residents.

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
Maximum legal interest rate (usury cap)9% annual percentage rate (general written-contract interest cap)
Source says: "it shall be lawful for the parties to stipulate or agree that an annual percentage rate of 9%, or any less sum".
Illinois General Assembly (Illinois Compiled Statutes)
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

Gulfport on the map

Gulfport covers about 1.4 square miles of land, with 0.88 square miles of water inside its boundaries (Census Gazetteer). That land carries about 26 people per square mile. The largest place in Illinois, Chicago, lies about 190 miles away. Within 50 miles of Gulfport there are 126 larger Census places. By land area it ranks 594th of 1,294 Illinois places.

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

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