Personal loans in Highland Park, IL
With roughly 30,272 residents, Highland Park is a smaller city, and the lending rules its borrowers live under are written in Illinois, not by the city.
By population, Highland Park sits at 63rd in Illinois, with an estimated 30,272 residents. Population in Highland Park climbed about 0.3% over the three years from 2020 to 2023. If debt is already a strain, a nonprofit credit counsellor can help Highland Park residents before they take on more. The closest larger city is Northbrook, IL about 4 miles away. Lenders active in Highland Park report to a Illinois supervisor, identified in the sourced rows below.
Borrowing in Highland Park: the local picture
Set out below is Highland Park's local context next to the state-level rules that reach every lender here.
- Population: the Census counts 30,272 residents in Highland Park (Vintage 2023 subcounty estimate), the 63rd-largest figure among Illinois's 1,294 places.
- Population trend: Growth of about 0.3% across the 2020-to-2023 comparison.
- Net change: roughly 84 more people than the 2020 Census counted.
- Size percentile: roughly 95% of Illinois's places have fewer residents than Highland Park's 30,272.
- Population density: about 2,474 people per square mile across 12.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Highland Park covers 12.2 square miles, the 80th-largest area among Illinois's 1,294 places.
- Water area rank: Highland Park ranks 352nd among Illinois's 1,294 places, with 0.03 sq mi.
- State share: roughly 0.3% of Illinois's residents live in Highland Park (30,272 people).
- National rank: Highland Park sits 1,305th by population among the 19,457 places in this dataset.
- Growth in Illinois: Highland Park stands 111th by percentage change from 2020 to 2023, among 1,294 places.
- Against the state trend: Highland Park's 0.3% change compares with a Illinois average of -2.0% across its 1,294 places.
- Density in Illinois: Highland Park ranks 155th by people per square mile.
- Density in context: Highland Park's 2,474 people per square mile sit against a Illinois median of 993.
- Location: the Census Gazetteer records it at 42.1824, -87.8108.
- Nearest larger cities: Northbrook (4 mi); Wheeling (7 mi); Glenview (7 mi); Buffalo Grove (8 mi); North Chicago (10 mi). Lenders licensed in the state serve Highland Park whether or not they keep a local branch.
- Smaller places close by: Highwood (2 mi); Deerfield (2 mi); Bannockburn (3 mi).
- Smaller places within 50 miles: 247 of them.
- Larger places within 100 miles: 75.
How Illinois law applies in Highland Park
For the roughly 30,272 residents of Highland Park, the rules below are Illinois's own; each row carries its publisher and retrieval date.
| 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 |
What a Highland Park borrower is actually offered
With roughly 30,272 residents, Highland Park is a smaller city; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Highland Park 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 Highland Park loan is knowable in advance — unlike a revolving card balance.
Getting a loan in Highland Park
With about 2,474 residents per square mile, Highland Park is fairly dense, and 53 larger Census places sit within 50 miles. Lenders licensed in Illinois reach Highland Park's 30,272 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Northbrook, IL about 4 miles away.
Highland Park's place among Illinois's 1,294 places
Among Illinois's 1,294 places, Highland Park sits at 63rd for population, a share of roughly 0.3% of the state. On the 2020-to-2023 trend, Highland Park stands 111th among Illinois's 1,294 places — roughly the 91th percentile. At about 2,474 people per square mile, Highland Park is the 155th most densely settled place in Illinois. The population moved by about 84 people between 2020 and 2023, a 0.3% shift.
Land, water and location for Highland Park
Highland Park's land area is about 12.2 square miles; a further 0.03 square miles is water. With 30,272 residents, the land area yields roughly 2,474 people per square mile. For the state's biggest city, Chicago, the distance is roughly 25 miles. Highland Park has 53 larger places within a 50-mile radius. By land area it ranks 80th of 1,294 Illinois places.
Common questions
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Nearby places
- Highwood, IL — population 5,304
- Deerfield, IL — population 18,884
- Northbrook, IL — population 33,977
- Bannockburn, IL — population 1,005
- Glencoe, IL — population 8,570
- Lake Forest, IL — population 19,354
- Riverwoods, IL — population 3,737
- Northfield, IL — population 5,543