Personal loans in Wilmington, IL

About 5,568 people live in Wilmington, placing it 313th of 1,294 Census places in Illinois. Rate ceilings, licensing requirements and product limits for Wilmington are all set at the Illinois level. Wilmington lost roughly 1.6% of its population across the 2020-to-2023 comparison. Borrowers who want a bigger city can look to Braidwood, IL about 5 miles away.

Local context for Wilmington

Most of what governs a Wilmington loan is written in Illinois law rather than in the city; the sourced notes below make that split concrete.

• Population: about 5,568 people live here, which puts Wilmington 313th of 1,294 Census places in Illinois (Vintage 2023).
• Population trend: Roughly 1.6% fewer residents than the 2020 Census counted.
• Absolute change: 92 residents lost between 2020 and 2023.
• Size percentile: Wilmington sits ahead of around 76% of Illinois places, at 5,568 people.
• Land and density: 14.0 square miles of land carry roughly 397 residents per square mile.
• Land area rank: Wilmington's 14.0 square miles rank 65th of 1,294 places in Illinois.
• Water area rank: Wilmington ranks 33rd among Illinois's 1,294 places, with 0.72 sq mi.
• Share of state population: Wilmington's 5,568 residents are about 0.1% of Illinois.
• National rank: Wilmington is 4,549th of 19,457 places nationwide.
• Growth in Illinois: Wilmington stands 426th by percentage change from 2020 to 2023, among 1,294 places.
• Against the state trend: Wilmington's 1.6% change compares with a Illinois average of -2.0% across its 1,294 places.
• Density in Illinois: Wilmington ranks 1,055th by people per square mile.
• Density in context: Wilmington's 397 people per square mile sit against a Illinois median of 993.
• Location: 41.3194, -88.1602 (US Census Bureau Gazetteer).
• Nearest larger cities: Braidwood (5 mi); Coal City (7 mi); Channahon (9 mi); Minooka (11 mi); Manhattan (12 mi). Living near a larger metro rarely changes what is available in Wilmington.
• Smaller places nearby: Diamond (5 mi); Symerton (6 mi); Godley (7 mi).
• Smaller places within 50 miles: 124 of them.
• Within 100 miles: 283 places are larger than Wilmington.

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

Among Illinois's 1,294 places, Wilmington sits at 313th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Wilmington stands 426th among Illinois's 1,294 places — roughly the 67th percentile. By density, at about 397 people per square mile, it ranks 1,055th in Illinois. Between 2020 and 2023 the count changed by roughly 92 residents.

Getting a loan in Wilmington

Wilmington is a lightly settled community of about 5,568 people, with 157 larger places inside a 50-mile radius. What is available to Wilmington's 5,568 borrowers is set by Illinois licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Braidwood, IL about 5 miles away.

Illinois rules behind a Wilmington personal loan

This table holds the Illinois rate and licensing rules for consumer loans made to Wilmington's 5,568 residents.

Land, water and location for Wilmington

The Census Gazetteer records 14.0 square miles of land and 0.72 square miles of water within Wilmington. The resulting density is about 397 people per square mile. For the state's biggest city, Chicago, the distance is roughly 43 miles. A 50-mile radius around Wilmington takes in 157 places that are larger. Within the same 50 miles lie 124 smaller Census places.

How personal loans work in Wilmington

Wilmington is a small town of about 5,568 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Wilmington loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Wilmington loan is knowable in advance — unlike a revolving card balance.