Personal loans in Rutland, IL
The first question in Rutland is not the rate on offer but whether the payment fits; about 255 people live here under Illinois lending law. Judge Rutland offers on total cost, not on how quickly the money arrives.
About 255 people live in Rutland, placing it 1,053rd of 1,294 Census places in Illinois. A single loan can carry different costs on either side of a state line, and Rutland sits on the Illinois side of that line. From the 2020 Census base to the 2023 estimate, the population declined by about 0.8%. The nearest larger metro is Wenona, IL about 5 miles away.
Rutland by the numbers
Rutland is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 255 residents; Rutland is the 1,053rd-largest of 1,294 places in Illinois (US Census Bureau, Vintage 2023).
- Population trend: A drop of about 0.8% from 2020 to 2023.
- Absolute change: 2 residents lost between 2020 and 2023.
- Size percentile: about 19% of Illinois's Census places are smaller than Rutland.
- Population density: about 367 people per square mile (Census land area 0.7 sq mi).
- By land area: Rutland ranks 922nd among Illinois's 1,294 places, at 0.7 sq mi.
- Share of Illinois: Rutland holds about 0.0% of the state's population, some 255 people.
- National standing: Rutland ranks 15,697th of 19,457 US places.
- Growth in Illinois: Rutland stands 218th by percentage change from 2020 to 2023, among 1,294 places.
- Versus Illinois: the state average change is -2.0%, while Rutland moved 0.8%.
- Density in Illinois: Rutland ranks 1,080th by people per square mile.
- Density in context: Rutland's 367 people per square mile sit against a Illinois median of 993.
- Location: 40.9838 / -89.0413, per the US Census Bureau Gazetteer.
- Nearest larger cities: Wenona (5 mi); Toluca (5 mi); Minonk (5 mi); Lostant (10 mi); Benson (10 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller places: Dana (5 mi); Long Point (8 mi); La Rose (10 mi).
- Smaller places within 50 miles: 31 of them.
- Larger places within 100 miles: 685.
Rutland against the rest of Illinois
Rutland is the 1,053rd-largest of 1,294 Census places in Illinois and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Rutland stands 218th among Illinois's 1,294 places — roughly the 83th percentile. Its roughly 367 residents per square mile place it 1,080th among Illinois's places. In land area, Rutland ranks 922nd among Illinois's 1,294 places.
What Illinois law requires in Rutland
When Illinois does not publish a figure, the row links to the source instead of inventing a number; Rutland is bound by the same rules.
| 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 Rutland borrower is actually offered
Rutland is a small community of about 255 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Rutland 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 Rutland loan is knowable in advance — unlike a revolving card balance.
Land, water and location for Rutland
Rutland covers about 0.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 367 people per square mile. For the state's biggest city, Chicago, the distance is roughly 92 miles. A 50-mile radius around Rutland takes in 141 places that are larger. The 100-mile radius contains 685 larger places.
How lenders reach Rutland
Rutland is a lightly settled community of about 255 people, with 141 larger places inside a 50-mile radius. What is available to Rutland's 255 borrowers is set by Illinois licensing and your own credit, not by how many branches are nearby. The nearest larger city, Wenona, IL about 5 miles away.
Common questions
What are my options in Rutland if my credit is poor?
What loan size can I expect in Rutland?
Do I have to pledge anything to borrow in Rutland?
Does comparing loans in Rutland cost me credit score points?
Nearby places
- Wenona, IL — population 969
- Minonk, IL — population 1,902
- Toluca, IL — population 1,334
- Dana, IL — population 157
- Lostant, IL — population 432
- Long Point, IL — population 200
- Benson, IL — population 406
- Varna, IL — population 374