Personal loans in Waggoner, IL
Waggoner is one of 1,294 Census places in Illinois; its 179 residents put it at 1,128th. For a borrower among the roughly 179 residents of Waggoner, a personal loan is a tool whose cost turns on the terms, not the address.
The 2020 count to the 2023 estimate shows about 1.1% decline in Waggoner. Verify the lender's Illinois licence against the regulator named below before borrowing in Waggoner. Every figure below is Illinois's own, applied to Waggoner's 179 residents, with the publisher and retrieval date attached. For a bigger market, look to Farmersville, IL about 4 miles away.
The Waggoner data picture
Read the local figures below as context; read the sourced Illinois table as the rulebook a lender here must follow.
- Population: an estimated 179 residents, 1,128th of 1,294 places in Illinois (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 1.1% fewer residents than the 2020 Census counted.
- People gained or lost: about 2 fewer since the 2020 base.
- Size percentile: Waggoner sits ahead of around 13% of Illinois places, at 179 people.
- Land and density: 0.2 square miles of land carry roughly 734 residents per square mile.
- By land area: Waggoner ranks 1,214th among Illinois's 1,294 places, at 0.2 sq mi.
- State population share: Waggoner accounts for about 0.0% of everyone in Illinois.
- National rank: Waggoner sits 16,805th by population among the 19,457 places in this dataset.
- Growth rank: Waggoner's 2020-to-2023 change ranks 266th of 1,294 places in Illinois.
- Against the state trend: Waggoner's 1.1% change compares with a Illinois average of -2.0% across its 1,294 places.
- Density rank: Waggoner is the 829th most densely settled place in Illinois.
- Against the state median: Waggoner runs about 734 residents per square mile, where the Illinois median is 993.
- Location: it lies at 39.3775, -89.6526 in the Census Gazetteer.
- Nearest larger cities: Farmersville (4 mi); Raymond (6 mi); Girard (8 mi); Nilwood (8 mi); Morrisonville (11 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities close by: Harvel (7 mi); Standard City (7 mi); Butler (14 mi), each with its own Census population profile.
- Smaller places within 50 miles: 32 of them.
- Larger places within 100 miles: 592.
What shapes a Waggoner personal loan
Most loans made to Waggoner's 179 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Waggoner's 179 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Waggoner loan is knowable in advance — unlike a revolving card balance.
Waggoner in state context
Set beside Illinois's 1,294 places, Waggoner ranks 1,128th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 266th of 1,294 Illinois places, putting it near the 79th percentile for growth. By density, at about 734 people per square mile, it ranks 829th in Illinois. Within 50 miles sit 32 smaller Census places, alongside the 142 that are larger.
The geography behind Waggoner
Inside Waggoner's boundaries lie about 0.2 square miles of land, with no significant water area recorded. Spread across it are roughly 734 residents per square mile. For the state's biggest city, Chicago, the distance is roughly 199 miles. Within 50 miles of Waggoner there are 142 larger Census places. By land area it ranks 1,214th of 1,294 Illinois places.
Illinois rules behind a Waggoner personal loan
For the roughly 179 residents of Waggoner, the rules below are Illinois's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
| Payday lending status | Permitted 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 |
Getting a loan in Waggoner
Waggoner is a moderately settled community of about 179 people, with 142 larger places inside a 50-mile radius. Lenders licensed in Illinois reach Waggoner's 179 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Farmersville, IL about 4 miles away.
Common questions
What are my options in Waggoner if my credit is poor?
What loan size can I expect in Waggoner?
Do I have to pledge anything to borrow in Waggoner?
Does comparing loans in Waggoner cost me credit score points?
Nearby places
- Farmersville, IL — population 669
- Raymond, IL — population 921
- Harvel, IL — population 170
- Standard City, IL — population 128
- Girard, IL — population 1,747
- Nilwood, IL — population 197
- Virden, IL — population 3,167
- Divernon, IL — population 1,114