Personal loans in Pontiac, IL

From the 2020 Census base to the 2023 estimate, the population declined by about 1.5%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Pontiac loan. State law, not city hall, decides what a lender may do to Pontiac's roughly 11,010 residents, and a state regulator supervises it. The nearest larger city is Streator, IL about 19 miles away.

Pontiac: population, trend and location

Read the local figures below as context; read the sourced Illinois table as the rulebook a lender here must follow.

• Population: 11,010 people, a figure that places Pontiac 208th among the 1,294 Census places in Illinois (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 1.5% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 169 residents.
• Size percentile: about 84% of Illinois's Census places are smaller than Pontiac.
• Density: the Census land area of 8.4 sq mi holds about 1,304 people per square mile.
• By land area: Pontiac ranks 144th among Illinois's 1,294 places, at 8.4 sq mi.
• Water area: Pontiac has 0.25 square miles of water, ranking 98th of 1,294 places in Illinois.
• State population share: Pontiac accounts for about 0.1% of everyone in Illinois.
• National rank: Pontiac is the 2,942nd most populous of the 19,457 Census places covered here.
• Growth in Illinois: Pontiac stands 380th by percentage change from 2020 to 2023, among 1,294 places.
• Versus Illinois: the state average change is -2.0%, while Pontiac moved 1.5%.
• Density in Illinois: Pontiac ranks 486th by people per square mile.
• Density vs Illinois: Pontiac's 1,304 people per square mile compare with a state median of 993.
• Location: coordinates 40.8892, -88.6414 (US Census Bureau Gazetteer).
• Nearest larger cities: Streator (19 mi); Normal (31 mi); Bloomington (33 mi); Ottawa (33 mi); Morris (36 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities close by: Cornell (8 mi); Odell (10 mi); Flanagan (11 mi), each with its own Census population profile.
• Smaller neighbours: 156 places smaller than Pontiac sit within 50 miles.
• Larger places within 100 miles: 181.

Pontiac in state context

Set beside Illinois's 1,294 places, Pontiac ranks 208th by population and holds about 0.1% of the state total. For population change between 2020 and 2023, Pontiac ranks 380th of 1,294 in Illinois (about the 71th percentile). At about 1,304 people per square mile, Pontiac is the 486th most densely settled place in Illinois. By land area, its 8.4 square miles rank 144th of 1,294 places in Illinois.

Pontiac on the map

Pontiac covers about 8.4 square miles of land, with 0.25 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 1,304 people per square mile. Chicago, the largest place in Illinois, is about 82 miles from Pontiac. A 50-mile radius around Pontiac takes in 15 places that are larger. Within the same 50 miles lie 156 smaller Census places.

What a Pontiac borrower is actually offered

Pontiac is a small town of about 11,010 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Pontiac's 11,010 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Pontiac loan is knowable in advance — unlike a revolving card balance.

How Illinois law applies in Pontiac

For the roughly 11,010 residents of Pontiac, the rules below are Illinois's own; each row carries its publisher and retrieval date.

Lender access in Pontiac

At roughly 1,304 people per square mile, Pontiac is moderately settled; 15 larger places lie within 50 miles. Lenders licensed in Illinois reach Pontiac's 11,010 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Streator, IL about 19 miles away.