Personal loans in Tamms, IL

The nearest larger metro is Ullin, IL about 6 miles away. Population in Tamms dropped about 10.3% over the three years from 2020 to 2023. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Tamms's 382 residents. Begin with the payment, then weigh APR and total interest across the lenders that reach Tamms's 382 residents.

Tamms by the numbers

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

• Population: about 382, ranked 943rd of 1,294 places in Illinois (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is negative, near 10.3%.
• Absolute change: 44 residents lost between 2020 and 2023.
• Size percentile: about 27% of Illinois communities are smaller than Tamms (382 residents).
• Population density: about 164 people per square mile across 2.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Tamms covers 2.3 square miles, the 444th-largest area among Illinois's 1,294 places.
• Share of Illinois: Tamms holds about 0.0% of the state's population, some 382 people.
• National rank: Tamms sits 14,271st by population among the 19,457 places in this dataset.
• Growth in Illinois: Tamms stands 1,291st by percentage change from 2020 to 2023, among 1,294 places.
• Against the state trend: Tamms's 10.3% change compares with a Illinois average of -2.0% across its 1,294 places.
• Density rank: Tamms places 1,212th among Illinois's places by people per square mile.
• Density vs Illinois: Tamms's 164 people per square mile compare with a state median of 993.
• Location: 37.2415, -89.2713 (US Census Bureau Gazetteer).
• Nearest larger cities: Ullin (6 mi); Mounds (9 mi); Dongola (10 mi); Mound City (12 mi); Jonesboro (14 mi). A branch is convenient; it is not what sets your APR.
• Smaller places nearby: Pulaski (4 mi); Mill Creek (7 mi); Thebes (10 mi).
• Within a 50-mile radius: 53 smaller Census places.
• Within 100 miles: 274 places are larger than Tamms.

How a Tamms personal loan is priced

Tamms is a small community of about 382 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Tamms. A longer term lowers the monthly payment on a Tamms loan but raises total interest, so the smallest payment is not the cheapest loan.

Tamms against the rest of Illinois

Among Illinois's 1,294 places, Tamms sits at 943rd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Tamms stands 1,291st among Illinois's 1,294 places — roughly the 0th percentile. At about 164 people per square mile, Tamms is the 1,212th most densely settled place in Illinois. Between 2020 and 2023 the count changed by roughly 44 residents.

Which Illinois laws govern a loan in Tamms

This table holds the Illinois rate and licensing rules for consumer loans made to Tamms's 382 residents.

Lender access in Tamms

With about 164 residents per square mile, Tamms is lightly settled, and 69 larger Census places sit within 50 miles. What is available to Tamms's 382 borrowers is set by Illinois licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Ullin, IL about 6 miles away.

Where Tamms sits

Tamms's land area is roughly 2.3 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 164 residents per square mile. For the state's biggest city, Chicago, the distance is roughly 329 miles. Counting outward 50 miles, 69 larger communities surround Tamms. Within the same 50 miles lie 53 smaller Census places.