Personal loans in Roseville, IL

A personal loan in Roseville is priced from your credit file and income, not from the fact that the city holds 855 people. Roseville is one of 1,294 Census places in Illinois; its 855 residents put it at 693rd.

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.

Pull your credit reports and line up at least three offers before you apply from Roseville. Census figures put the 2020-to-2023 decrease in Roseville at about 4.0%. State law, not city hall, decides what a lender may do to Roseville's roughly 855 residents, and a state regulator supervises it. The nearest larger metro is Monmouth, IL about 13 miles away.

What the Census records for Roseville

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

What is available to Roseville borrowers

At roughly 1,157 people per square mile, Roseville is moderately settled; 44 larger places lie within 50 miles. What is available to Roseville's 855 borrowers is set by Illinois licensing and your own credit, not by how many branches are nearby. The nearest larger city, Monmouth, IL about 13 miles away.

How personal loans work in Roseville

With roughly 855 residents, Roseville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Roseville's 855 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Roseville loan is knowable in advance — unlike a revolving card balance.

Where Roseville sits in Illinois

Within Illinois, Roseville holds roughly 0.0% of all residents, the 693rd-largest share among 1,294 places. For population change between 2020 and 2023, Roseville ranks 1,130th of 1,294 in Illinois (about the 13th percentile). By density, at about 1,157 people per square mile, it ranks 559th in Illinois. In land area, Roseville ranks 897th among Illinois's 1,294 places.

How Illinois law applies in Roseville

Read the table as a lender's compliance picture for Roseville: the rule, the sourced figure, the publisher and the date.

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

Roseville: area, density and distance

Roseville's land area is roughly 0.7 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,157 people per square mile. The largest place in Illinois, Chicago, lies about 173 miles away. Within 50 miles of Roseville there are 44 larger Census places. The 100-mile radius contains 223 larger 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 Roseville 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 Roseville is the same as anywhere in Illinois.
What loan size can I expect in Roseville?
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 Roseville?
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 Roseville 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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