Personal loans in Bonnie, IL
If you are weighing a personal loan in Bonnie, start from the payment you can carry; its 367 residents face the same statewide rules. Census figures put the 2020-to-2023 decrease in Bonnie at about 2.4%.
The Census counts 367 people in Bonnie, the 953rd-largest figure among Illinois's 1,294 places. If debt is already a strain, a nonprofit credit counsellor can help Bonnie residents before they take on more. Consumer lending that reaches Bonnie's 367 residents is governed by Illinois statute; no city ordinance changes it. The nearest larger city is Ina, IL about 4 miles away.
Local context for Bonnie
Set out below is Bonnie's local context next to the state-level rules that reach every lender here.
- Population: about 367, ranked 953rd of 1,294 places in Illinois (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 2.4% fewer residents than the 2020 Census counted.
- People gained or lost: about 9 fewer since the 2020 base.
- Size percentile: with 367 residents, Bonnie is larger than about 26% of Illinois's Census places.
- Population density: about 288 people per square mile across 1.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Bonnie covers 1.3 square miles, the 625th-largest area among Illinois's 1,294 places.
- State share: roughly 0.0% of Illinois's residents live in Bonnie (367 people).
- Nationally: Bonnie is the 14,439th-largest of 19,457 Census places in the dataset.
- Growth in Illinois: Bonnie stands 755th by percentage change from 2020 to 2023, among 1,294 places.
- Versus Illinois: the state average change is -2.0%, while Bonnie moved 2.4%.
- Density rank: Bonnie is the 1,133rd most densely settled place in Illinois.
- Against the state median: Bonnie runs about 288 residents per square mile, where the Illinois median is 993.
- Location: 38.2030, -88.9068 (Census Gazetteer coordinates).
- Nearest larger cities: Ina (4 mi); Waltonville (7 mi); Mount Vernon (8 mi); Sesser (11 mi); Woodlawn (11 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Nason (4 mi); Ewing (8 mi); Belle Rive (9 mi).
- Smaller neighbours: 53 places smaller than Bonnie sit within 50 miles.
- At 100 miles: 417 larger Census places fall inside that radius.
Land, water and location for Bonnie
Bonnie's land area is roughly 1.3 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 288 residents per square mile. The state's population centre of gravity, Chicago, is roughly 259 miles away. Counting outward 50 miles, 96 larger communities surround Bonnie. Within the same 50 miles lie 53 smaller Census places.
Illinois rules behind a Bonnie personal loan
The rows below set out what a licensed lender must follow in Illinois, and so for Bonnie's roughly 367 residents.
| 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 |
Bonnie against the rest of Illinois
Bonnie is the 953rd-largest of 1,294 Census places in Illinois and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 755th of 1,294 Illinois places, putting it near the 42th percentile for growth. At about 288 people per square mile, Bonnie is the 1,133rd most densely settled place in Illinois. In land area, Bonnie ranks 625th among Illinois's 1,294 places.
Inside a Bonnie personal loan
Most loans made to Bonnie's 367 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Bonnie. Shortening the term on a Bonnie loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Borrowing reach in Bonnie
Bonnie is a lightly settled community of about 367 people, with 96 larger places inside a 50-mile radius. Distance to a branch rarely matters for Bonnie's 367 residents: the application is online and the price follows your credit file. The nearest larger city, Ina, IL about 4 miles away.
Common questions
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Does comparing loans in Bonnie cost me credit score points?
Nearby places
- Ina, IL — population 1,653
- Nason, IL — population 199
- Mount Vernon, IL — population 14,247
- Ewing, IL — population 295
- Waltonville, IL — population 406
- Belle Rive, IL — population 302
- Woodlawn, IL — population 603
- Sesser, IL — population 1,857