Personal loans in Ursa, IL

An estimated 592 people make their home in Ursa, a figure that ranks 808th in Illinois. A 2020-to-2023 comparison shows Ursa down by about 2.6%. Ursa is a small community in Illinois, with an estimated 592 residents, and every licensed lender here follows the same state rulebook. Consumer lending that reaches Ursa's 592 residents is governed by Illinois statute; no city ordinance changes it. Rate-shopping from Ursa costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The nearest larger city is Mendon, IL about 5 miles away.

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

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.

Where Ursa stands

Set out below is Ursa's local context next to the state-level rules that reach every lender here.

The state rulebook for Ursa

This table holds the Illinois rate and licensing rules for consumer loans made to Ursa's 592 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
Payday lending statusPermitted under license; capped at 36% annual percentage rate (payday loans)
Source says: "shall not contract for or receive a charge exceeding a 36% annual percentage rate ... for a payday loan".
Illinois General Assembly (Illinois Compiled Statutes)
as of 2026-09-16
Small-loan / installment lender licensingConsumer Installment Loan Act license required from the Director of Financial Institutions (loans above 9% APR)
Source says: "No person ... shall engage in the business of making loans of money ... except ... after first obtaining a license from the Director of Financial Institutions".
Illinois General Assembly (Illinois Compiled Statutes)
as of 2026-09-16

Getting a loan in Ursa

Ursa is a moderately settled community of about 592 people, with 39 larger places inside a 50-mile radius. Whether Ursa has a local branch or not, a Illinois-licensed lender can serve its 592 people online on the same terms. The nearest bigger place is Mendon, IL about 5 miles away.

Ursa: area, density and distance

Ursa's land area is roughly 0.7 square miles, and the Gazetteer records no significant water area within it. That land carries about 858 people per square mile. For the state's biggest city, Chicago, the distance is roughly 228 miles. Counting outward 50 miles, 39 larger communities surround Ursa. The 100-mile radius contains 204 larger places.

What a Ursa borrower is actually offered

With roughly 592 residents, Ursa is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Ursa can be quoted different APRs on the same amount and term. The term you choose in Ursa decides the split between a comfortable payment and the total interest you pay.

Ursa's place among Illinois's 1,294 places

Set beside Illinois's 1,294 places, Ursa ranks 808th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Ursa stands 842nd among Illinois's 1,294 places — roughly the 35th percentile. At about 858 people per square mile, Ursa is the 743rd most densely settled place in Illinois. In land area, Ursa ranks 925th among Illinois's 1,294 places.

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