Personal loans in South Pekin, IL
South Pekin, Illinois — home to about 966 people — is a small community, so the terms you are offered follow Illinois law rather than any local rule.
The Census estimates 966 residents in South Pekin, which ranks it 663rd of 1,294 places in Illinois. Judge South Pekin offers on total cost, not on how quickly the money arrives. The 2020 count to the 2023 estimate shows about 2.3% decline in South Pekin. Every figure below is Illinois's own, applied to South Pekin's 966 residents, with the publisher and retrieval date attached. The next larger city is Pekin, IL about 5 miles away.
Borrowing in South Pekin: the local picture
Only a few things actually differ by place — population, area, location, and the Illinois rules a lender must follow — and they are below.
- Population: about 966, ranked 663rd of 1,294 places in Illinois (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 2.3% fewer residents than the 2020 Census counted.
- People gained or lost: about 23 fewer since the 2020 base.
- Size percentile: about 49% of Illinois's Census places are smaller than South Pekin.
- Density: roughly 1,876 residents per square mile, spread over 0.5 sq mi of land.
- Land area: South Pekin covers 0.5 square miles, the 1,028th-largest area among Illinois's 1,294 places.
- Share of Illinois: South Pekin holds about 0.0% of the state's population, some 966 people.
- National rank: South Pekin is 10,373rd of 19,457 places nationwide.
- Growth in Illinois: South Pekin stands 718th by percentage change from 2020 to 2023, among 1,294 places.
- Against the state trend: South Pekin's 2.3% change compares with a Illinois average of -2.0% across its 1,294 places.
- Density rank: South Pekin places 250th among Illinois's places by people per square mile.
- Density vs Illinois: South Pekin's 1,876 people per square mile compare with a state median of 993.
- Location: latitude 40.4955, longitude -89.6524 (Census Gazetteer).
- Nearest larger cities: Pekin (5 mi); North Pekin (8 mi); Manito (9 mi); Tremont (9 mi); Marquette Heights (9 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller places close by: Green Valley (6 mi); Mapleton (7 mi); Kingston Mines (8 mi).
- Within a 50-mile radius: 86 smaller Census places.
- Larger places within 100 miles: 242.
Lender access in South Pekin
At roughly 1,876 people per square mile, South Pekin is moderately settled; 71 larger places lie within 50 miles. What is available to South Pekin's 966 borrowers is set by Illinois licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Pekin, IL about 5 miles away.
Where South Pekin sits in Illinois
Against Illinois's other places, South Pekin accounts for about 0.0% of the state's population and ranks 663rd of 1,294 by size. Its 2020-to-2023 change ranks 718th of 1,294 Illinois places, putting it near the 45th percentile for growth. At about 1,876 people per square mile, South Pekin is the 250th most densely settled place in Illinois. The population moved by about 23 people between 2020 and 2023, a 2.3% shift.
How personal loans work in South Pekin
In South Pekin, a small community of about 966, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving South Pekin's 966 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a South Pekin loan but raises total interest, so the smallest payment is not the cheapest loan.
Illinois rules behind a South Pekin personal loan
This table holds the Illinois rate and licensing rules for consumer loans made to South Pekin's 966 residents.
| 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 |
| Installment lender net-worth requirement | $30,000 minimum positive net worth (plus $25,000 surety bond) Source says: "every applicant shall prove ... that the applicant has and will maintain a positive net worth of a minimum of $30,000". | Illinois General Assembly (Illinois Compiled Statutes) 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 |
South Pekin on the map
South Pekin covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,876 people per square mile. The state's population centre of gravity, Chicago, is roughly 138 miles away. Counting outward 50 miles, 71 larger communities surround South Pekin. The 100-mile radius contains 242 larger places.
Common questions
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Nearby places
- Pekin, IL — population 31,126
- Green Valley, IL — population 612
- Mapleton, IL — population 250
- North Pekin, IL — population 1,439
- Marquette Heights, IL — population 2,490
- Kingston Mines, IL — population 261
- Bartonville, IL — population 5,779
- Manito, IL — population 1,481