Personal loans in Tampico, IL
The roughly 676 people who live in Tampico borrow under Illinois rules; city hall sets no personal-loan rate. About 676 people live in Tampico, placing it 759th of 1,294 Census places in Illinois. The closest larger place is Prophetstown, IL about 8 miles away. Tampico shed about 2.6% of its population between the 2020 base and the 2023 estimate. Consumer lending that reaches Tampico's 676 residents is governed by Illinois statute; no city ordinance changes it. Verify the lender's Illinois licence against the regulator named below before borrowing in Tampico.
Tampico: the sourced local profile
Set out below is Tampico's local context next to the state-level rules that reach every lender here.
- Population: a Census-estimated 676, 759th among Illinois's 1,294 places (Vintage 2023).
- Population trend: A drop of about 2.6% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 18 residents.
- Size percentile: Tampico sits ahead of around 41% of Illinois places, at 676 people.
- Population density: about 1,716 people per square mile (Census land area 0.4 sq mi).
- By land area: Tampico ranks 1,095th among Illinois's 1,294 places, at 0.4 sq mi.
- Within Illinois: about 0.0% of the state's population lives in Tampico.
- Nationally: Tampico is the 11,949th-largest of 19,457 Census places in the dataset.
- Growth rank: Tampico ranks 828th among Illinois's 1,294 places for the 2020-to-2023 change.
- Against the state trend: Tampico's 2.6% change compares with a Illinois average of -2.0% across its 1,294 places.
- Density rank: Tampico places 299th among Illinois's places by people per square mile.
- Density vs Illinois: Tampico's 1,716 people per square mile compare with a state median of 993.
- Location: 41.6308, -89.7851 (US Census Bureau Gazetteer).
- Nearest larger cities: Prophetstown (8 mi); Rock Falls (11 mi); Walnut (11 mi); Sterling (13 mi); Morrison (15 mi). Larger metros often have more branches, but online lenders reach Tampico on the same terms.
- Smaller communities within reach: Deer Grove (5 mi); New Bedford (9 mi); Lyndon (9 mi).
- Within a 50-mile radius: 69 smaller Census places.
- Within 100 miles: 450 places are larger than Tampico.
What to do before borrowing in Tampico
Before you apply in Tampico, a community of about 676, work through these steps:
- Start with the credit file: order the reports, fix the errors, then apply.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Shop at least three lenders and judge them on APR and total cost.
- Verify the lender's Illinois licence with the regulator listed on this page.
- Make sure the new payment leaves room in a budget you already keep.
- Weigh a shorter term's higher payment against the interest it saves.
- Keep the amount to the expense; an approval is not a reason to take more.
What differs between Tampico and the rest of Illinois is not the process but the borrower's own file, among the 676 people here.
Where Tampico sits
Tampico's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 1,716 residents per square mile. Chicago, the largest place in Illinois, is about 109 miles from Tampico. A 50-mile radius around Tampico takes in 86 places that are larger. Within the same 50 miles lie 69 smaller Census places.
How Tampico compares across Illinois
Tampico is the 759th-largest of 1,294 Census places in Illinois and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 828th of 1,294 Illinois places, putting it near the 36th percentile for growth. By density, at about 1,716 people per square mile, it ranks 299th in Illinois. Within 50 miles sit 69 smaller Census places, alongside the 86 that are larger.
How lenders reach Tampico
Tampico is a moderately settled community of about 676 people, with 86 larger places inside a 50-mile radius. Lenders licensed in Illinois reach Tampico's 676 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Prophetstown, IL about 8 miles away.
The Illinois lending rules that reach Tampico
When Illinois does not publish a figure, the row links to the source instead of inventing a number; Tampico is bound by the same rules.
| 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 |
Common questions
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Nearby places
- Deer Grove, IL — population 37
- New Bedford, IL — population 75
- Prophetstown, IL — population 1,904
- Lyndon, IL — population 525
- Rock Falls, IL — population 8,600
- Hooppole, IL — population 174
- Sterling, IL — population 14,508
- Walnut, IL — population 1,279