Personal loans in Perry, IL

Perry counts about 305 people, and what is genuinely local about borrowing here is limited — Illinois law does the governing. Perry is home to roughly 305 people and stands 1,003rd by size out of 1,294 Census places in Illinois.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

Use the calculator on this page to price an amount and term before you commit in Perry. A 2020-to-2023 comparison shows Perry down by about 2.9%. State law, not city hall, decides what a lender may do to Perry's roughly 305 residents, and a state regulator supervises it. The nearest larger metro is Griggsville, IL about 5 miles away.

Where Perry stands

Here is the sourced Census picture for Perry, plus the Illinois lending rules that apply to a loan taken out here.

Which Illinois laws govern a loan in Perry

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

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

Borrowing reach in Perry

At roughly 790 people per square mile, Perry is moderately settled; 65 larger places lie within 50 miles. Distance to a branch rarely matters for Perry's 305 residents: the application is online and the price follows your credit file. The nearest larger city, Griggsville, IL about 5 miles away.

Where Perry sits in Illinois

Within Illinois, Perry holds roughly 0.0% of all residents, the 1,003rd-largest share among 1,294 places. For population change between 2020 and 2023, Perry ranks 905th of 1,294 in Illinois (about the 30th percentile). By density, at about 790 people per square mile, it ranks 793rd in Illinois. Between 2020 and 2023 the count changed by roughly 9 residents.

Where Perry sits

Perry covers about 0.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 790 people per square mile. Chicago, the largest place in Illinois, is about 214 miles from Perry. Counting outward 50 miles, 65 larger communities surround Perry. Within the same 50 miles lie 54 smaller Census places.

What shapes a Perry personal loan

Most loans made to Perry's 305 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Perry lender to disclose the APR and finance charge before you sign. The term you choose in Perry decides the split between a comfortable payment and the total interest you pay.

Compare personal loan offers Run the numbers first

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