Personal loans in St. Rose, IL

St. Rose added about 0.2% to its population between the 2020 base and the 2023 estimate. The Census counts 461 people in St. Rose, the 889th-largest figure among Illinois's 1,294 places. A personal loan in St.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

Rose is priced from your credit file and income, not from the fact that the city holds 461 people. Rate-shopping from St. Rose costs nothing at pre-qualification, where a soft pull leaves your credit file alone. To lend to St. Rose's 461 residents, a company must hold a Illinois licence, and each sourced row below names the regulator behind it. The closest larger place is Breese, IL about 5 miles away.

The St. Rose data picture

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

A pre-application checklist for St. Rose

Before you hand your details to a lender in St. Rose, where the population is near 461:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the lender holds a Illinois licence by checking the regulator named above.
  5. Be clear on what the loan is for and how it gets repaid.
  6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  7. Look for an origination fee or prepayment penalty in the written disclosure.

In St. Rose as elsewhere in Illinois, the written terms — not the advertisement — are what count for its 461 residents.

Where St. Rose sits in Illinois

St. Rose is the 889th-largest of 1,294 Census places in Illinois and contains about 0.0% of the state's people. For population change between 2020 and 2023, St. Rose ranks 114th of 1,294 in Illinois (about the 91th percentile). By density, at about 780 people per square mile, it ranks 800th in Illinois. In land area, St. Rose ranks 977th among Illinois's 1,294 places.

St. Rose on the map

Inside St. Rose's boundaries lie about 0.6 square miles of land, with no significant water area recorded. That land carries about 780 people per square mile. Chicago, the largest place in Illinois, is about 239 miles from St. Rose. A 50-mile radius around St. Rose takes in 178 places that are larger. Within the same 50 miles lie 79 smaller Census places.

Lender access in St. Rose

St. Rose is moderately settled, with about 780 people per square mile and 178 larger places within 50 miles. What is available to St. Rose's 461 borrowers is set by Illinois licensing and your own credit, not by how many branches are nearby. The nearest larger city, Breese, IL about 5 miles away.

What Illinois law requires in St. Rose

This table holds the Illinois rate and licensing rules for consumer loans made to St. Rose's 461 residents.

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
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
Compare personal loan offers Run the numbers first

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 St. Rose 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 St. Rose is the same as anywhere in Illinois.
What loan size can I expect in St. Rose?
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 St. Rose?
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 St. Rose 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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