Personal loans in Mound Station, IL
If you are weighing a personal loan in Mound Station, start from the payment you can carry; its 115 residents face the same statewide rules. About 115 people live in Mound Station, placing it 1,209th of 1,294 Census places in Illinois. The nearest larger metro is Clayton, IL about 5 miles away. Population in Mound Station dropped about 0.9% over the three years from 2020 to 2023. Every figure below is Illinois's own, applied to Mound Station's 115 residents, with the publisher and retrieval date attached. Work out your debt-to-income ratio first; lenders weigh it heavily, and Mound Station's 115 residents are no exception.
Mound Station by the numbers
The figures below are Mound Station's own — Census population, land area and coordinates — followed by the Illinois rules.
- Population: the Census counts 115 residents in Mound Station (Vintage 2023 subcounty estimate), the 1,209th-largest figure among Illinois's 1,294 places.
- Population trend: The 2020-to-2023 change is negative, near 0.9%.
- Net change: roughly 1 fewer people than the 2020 Census counted.
- Size percentile: Mound Station sits ahead of around 7% of Illinois places, at 115 people.
- Density: the Census land area of 0.5 sq mi holds about 222 people per square mile.
- By land area: Mound Station ranks 1,027th among Illinois's 1,294 places, at 0.5 sq mi.
- Within Illinois: about 0.0% of the state's population lives in Mound Station.
- Nationally: Mound Station is the 17,866th-largest of 19,457 Census places in the dataset.
- Growth rank: Mound Station ranks 234th 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 Mound Station's 0.9%.
- Density rank: Mound Station places 1,171st among Illinois's places by people per square mile.
- Against the state median: Mound Station runs about 222 residents per square mile, where the Illinois median is 993.
- Location: mapped by the US Census Bureau at 40.0066, -90.8737.
- Nearest larger cities: Clayton (5 mi); Mount Sterling (6 mi); Camp Point (10 mi); Golden (11 mi); Versailles (14 mi). A branch is convenient; it is not what sets your APR.
- Smaller towns nearby: Camden (11 mi); La Prairie (12 mi); Ripley (13 mi).
- Within a 50-mile radius: 24 smaller Census places.
- Within 100 miles: 525 places are larger than Mound Station.
Where Mound Station sits in Illinois
Mound Station is the 1,209th-largest of 1,294 Census places in Illinois and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 234th of 1,294 Illinois places, putting it near the 82th percentile for growth. By density, at about 222 people per square mile, it ranks 1,171st in Illinois. The population moved by about 1 people between 2020 and 2023, a 0.9% shift.
The state rulebook for Mound Station
Every row below records a Illinois rule, its publisher and its retrieval date — the same rules a Mound Station lender must follow.
| 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 |
A practical checklist for Mound Station borrowers
Complete these steps first when you borrow in Mound Station (115 residents):
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Make sure the lender appears in the Illinois regulator's licence list.
- Pick the shortest term whose payment you can comfortably afford.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Write down the purpose of the loan and your repayment plan before you apply.
In Mound Station as elsewhere in Illinois, the written terms — not the advertisement — are what count for its 115 residents.
How lenders reach Mound Station
At roughly 222 people per square mile, Mound Station is lightly settled; 96 larger places lie within 50 miles. Whether Mound Station has a local branch or not, a Illinois-licensed lender can serve its 115 people online on the same terms. For a larger market, the closest option is Clayton, IL about 5 miles away.
Mound Station on the map
Mound Station's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. That land carries about 222 people per square mile. Chicago, the largest place in Illinois, is about 209 miles from Mound Station. Within 50 miles of Mound Station there are 96 larger Census places. The 100-mile radius contains 525 larger places.
Common questions
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Nearby places
- Clayton, IL — population 621
- Mount Sterling, IL — population 2,016
- Camden, IL — population 60
- Golden, IL — population 630
- La Prairie, IL — population 39
- Camp Point, IL — population 1,114
- Ripley, IL — population 51
- Augusta, IL — population 544