Personal loans in Silvis, IL
State law, not city hall, decides what a lender may do to Silvis's roughly 7,896 residents, and a state regulator supervises it.
If you are weighing a personal loan in Silvis, start from the payment you can carry; its 7,896 residents face the same statewide rules. At about 7,896 residents, Silvis is larger than roughly 80% of the places in Illinois. The 2020 count to the 2023 estimate shows about 1.3% decline in Silvis. Price two or three terms so you can see which payment is truly affordable in Silvis. The closest larger city is East Moline, IL about 2 miles away.
Silvis: the sourced local profile
Two layers matter for a Silvis borrower: the local population picture and Illinois's consumer-lending statutes.
- Population: an estimated 7,896 residents, 263rd of 1,294 places in Illinois (Census Vintage 2023 subcounty estimate).
- Population trend: A decline of about 1.3% across the 2020-to-2023 comparison.
- Net change: roughly 103 fewer people than the 2020 Census counted.
- Size percentile: roughly 80% of Illinois places rank below Silvis.
- Land and density: 4.3 square miles of land carry roughly 1,843 residents per square mile.
- Land area rank: Silvis's 4.3 square miles rank 294th of 1,294 places in Illinois.
- Share of Illinois: Silvis holds about 0.1% of the state's population, some 7,896 people.
- National rank: Silvis is the 3,711th most populous of the 19,457 Census places covered here.
- Growth rank: Silvis's 2020-to-2023 change ranks 313th of 1,294 places in Illinois.
- Versus Illinois: the state average change is -2.0%, while Silvis moved 1.3%.
- Density rank: Silvis is the 265th most densely settled place in Illinois.
- Against the state median: Silvis runs about 1,843 residents per square mile, where the Illinois median is 993.
- Location: coordinates 41.4977, -90.4101 (US Census Bureau Gazetteer).
- Nearest larger cities: East Moline (2 mi); Moline (4 mi); Bettendorf (6 mi); Rock Island (9 mi); Davenport (11 mi). Online lenders reach Silvis no matter how far the nearest branch is.
- Nearest smaller towns: Carbon Cliff (1 mi); Riverdale (4 mi); Hampton (4 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 135 of them.
- Larger places within 100 miles: 47.
How a Silvis personal loan is priced
With roughly 7,896 residents, Silvis is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Silvis lender to disclose the APR and finance charge before you sign. Shortening the term on a Silvis loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
What is available to Silvis borrowers
With about 1,843 residents per square mile, Silvis is moderately settled, and 12 larger Census places sit within 50 miles. A Illinois licence lets a lender serve Silvis without a local office, so branch density does not change what its 7,896 residents are offered. The nearest bigger place is East Moline, IL about 2 miles away.
Land, water and location for Silvis
Silvis's land area is roughly 4.3 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,843 people per square mile. The state's population centre of gravity, Chicago, is roughly 143 miles away. Counting outward 50 miles, 12 larger communities surround Silvis. Within the same 50 miles lie 135 smaller Census places.
Silvis's place among Illinois's 1,294 places
Against Illinois's other places, Silvis accounts for about 0.1% of the state's population and ranks 263rd of 1,294 by size. Its 2020-to-2023 change ranks 313th of 1,294 Illinois places, putting it near the 76th percentile for growth. Its roughly 1,843 residents per square mile place it 265th among Illinois's places. By land area, its 4.3 square miles rank 294th of 1,294 places in Illinois.
Illinois rules behind a Silvis personal loan
For the roughly 7,896 residents of Silvis, the rules below are Illinois's own; each row carries its publisher and retrieval date.
| 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 |
| 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 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 |
Common questions
What are my options in Silvis if my credit is poor?
What loan size can I expect in Silvis?
Do I have to pledge anything to borrow in Silvis?
Does comparing loans in Silvis cost me credit score points?
Nearby places
- Carbon Cliff, IL — population 1,792
- East Moline, IL — population 20,806
- Hampton, IL — population 1,738
- Coal Valley, IL — population 3,816
- Riverdale, IA — population 377
- Panorama Park, IA — population 141
- Colona, IL — population 4,977
- Moline, IL — population 41,965