Personal loans in Smithton, IL

With roughly 3,900 residents, Smithton is a small community, and the lending rules its borrowers live under are written in Illinois, not by the city. Smithton lost roughly 2.7% of its population across the 2020-to-2023 comparison. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Smithton loan. For the 3,900 people in Smithton, Illinois runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The next larger city is Freeburg, IL about 4 miles away.

Smithton: the sourced local profile

What follows is Smithton's place in the Census record, alongside the Illinois rules that govern a personal loan made here.

• Population: the Census counts 3,900 residents in Smithton (Vintage 2023 subcounty estimate), the 373rd-largest figure among Illinois's 1,294 places.
• Population trend: Lower by roughly 2.7% since the 2020 count.
• People gained or lost: about 107 fewer since the 2020 base.
• Size percentile: with 3,900 residents, Smithton is larger than about 71% of Illinois's Census places.
• Population density: about 865 people per square mile (Census land area 4.5 sq mi).
• By land area: Smithton ranks 288th among Illinois's 1,294 places, at 4.5 sq mi.
• Water area rank: Smithton ranks 288th among Illinois's 1,294 places, with 0.05 sq mi.
• State share: roughly 0.0% of Illinois's residents live in Smithton (3,900 people).
• Nationally: Smithton is the 5,510th-largest of 19,457 Census places in the dataset.
• Growth rank: Smithton ranks 854th among Illinois's 1,294 places for the 2020-to-2023 change.
• State comparison: Illinois's places average -2.0% for 2020-to-2023, against Smithton's 2.7%.
• Density rank: Smithton is the 737th most densely settled place in Illinois.
• Density vs Illinois: Smithton's 865 people per square mile compare with a state median of 993.
• Location: 38.4143 / -89.9901, per the US Census Bureau Gazetteer.
• Nearest larger cities: Freeburg (4 mi); Millstadt (6 mi); Belleville (7 mi); Swansea (9 mi); Waterloo (10 mi). Larger metros often have more branches, but online lenders reach Smithton on the same terms.
• Smaller places close by: Hecker (8 mi); New Athens (9 mi); Fayetteville (11 mi).
• Within a 50-mile radius: 164 smaller Census places.
• Within 100 miles: 139 places are larger than Smithton.

How Smithton compares across Illinois

Within Illinois, Smithton holds roughly 0.0% of all residents, the 373rd-largest share among 1,294 places. On the 2020-to-2023 trend, Smithton stands 854th among Illinois's 1,294 places — roughly the 34th percentile. Its roughly 865 residents per square mile place it 737th among Illinois's places. Within 50 miles sit 164 smaller Census places, alongside the 95 that are larger.

What is available to Smithton borrowers

Smithton is a moderately settled community of about 3,900 people, with 95 larger places inside a 50-mile radius. A Illinois licence lets a lender serve Smithton without a local office, so branch density does not change what its 3,900 residents are offered. The nearest bigger place is Freeburg, IL about 4 miles away.

Illinois rules behind a Smithton personal loan

The rows below set out what a licensed lender must follow in Illinois, and so for Smithton's roughly 3,900 residents.

Land, water and location for Smithton

Smithton covers about 4.5 square miles of land, with 0.05 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 865 residents per square mile. The state's population centre of gravity, Chicago, is roughly 266 miles away. A 50-mile radius around Smithton takes in 95 places that are larger. The 100-mile radius contains 139 larger places.

What a Smithton borrower is actually offered

A Smithton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 3,900 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Smithton. A longer term lowers the monthly payment on a Smithton loan but raises total interest, so the smallest payment is not the cheapest loan.