Personal loans in Cantrall, IL
The roughly 138 people who live in Cantrall borrow under Illinois rules; city hall sets no personal-loan rate. About 138 people live in Cantrall, placing it 1,183rd of 1,294 Census places in Illinois.
The closest larger city is Athens, IL about 3 miles away. A 2020-to-2023 comparison shows Cantrall down by about 2.1%. State law, not city hall, decides what a lender may do to Cantrall's roughly 138 residents, and a state regulator supervises it. If debt is already a strain, a nonprofit credit counsellor can help Cantrall residents before they take on more.
Cantrall by the numbers
Here is the sourced Census picture for Cantrall, plus the Illinois lending rules that apply to a loan taken out here.
- Population: a Census-estimated 138, 1,183rd among Illinois's 1,294 places (Vintage 2023).
- Population trend: Lower by roughly 2.1% since the 2020 count.
- Net change: roughly 3 fewer people than the 2020 Census counted.
- Size percentile: Cantrall's 138 people outrank roughly 9% of the places in Illinois.
- Population density: 552 people per square mile on 0.2 square miles of land.
- By land area: Cantrall ranks 1,208th among Illinois's 1,294 places, at 0.2 sq mi.
- State population share: Cantrall accounts for about 0.0% of everyone in Illinois.
- Nationally: Cantrall is the 17,451st-largest of 19,457 Census places in the dataset.
- Growth in Illinois: Cantrall stands 644th by percentage change from 2020 to 2023, among 1,294 places.
- Versus Illinois: the state average change is -2.0%, while Cantrall moved 2.1%.
- Density rank: Cantrall is the 963rd most densely settled place in Illinois.
- Density vs Illinois: Cantrall's 552 people per square mile compare with a state median of 993.
- Location: latitude 39.9353, longitude -89.6788 (Census Gazetteer).
- Nearest larger cities: Athens (3 mi); Sherman (5 mi); Williamsville (7 mi); Spaulding (9 mi); Grandview (9 mi). Larger metros often have more branches, but online lenders reach Cantrall on the same terms.
- Smaller communities close by: Jeisyville (28 mi); Topeka (30 mi); Liverpool (36 mi), each with its own Census population profile.
- Smaller places within 50 miles: 10 of them.
- At 100 miles: 612 larger Census places fall inside that radius.
Cantrall: area, density and distance
Inside Cantrall's boundaries lie about 0.2 square miles of land, with no significant water area recorded. With 138 residents, the land area yields roughly 552 people per square mile. The state's population centre of gravity, Chicago, is roughly 168 miles away. Within 50 miles of Cantrall there are 143 larger Census places. The 100-mile radius contains 612 larger places.
Cantrall against the rest of Illinois
Against Illinois's other places, Cantrall accounts for about 0.0% of the state's population and ranks 1,183rd of 1,294 by size. Its 2020-to-2023 change ranks 644th of 1,294 Illinois places, putting it near the 50th percentile for growth. At about 552 people per square mile, Cantrall is the 963rd most densely settled place in Illinois. In land area, Cantrall ranks 1,208th among Illinois's 1,294 places.
The anatomy of a Cantrall personal loan
Cantrall is a small community of about 138 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Cantrall loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Cantrall loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Illinois rules behind a Cantrall personal loan
Every row below records a Illinois rule, its publisher and its retrieval date — the same rules a Cantrall lender must follow.
| 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 |
Borrowing reach in Cantrall
At roughly 552 people per square mile, Cantrall is moderately settled; 143 larger places lie within 50 miles. Lenders licensed in Illinois reach Cantrall's 138 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Athens, IL about 3 miles away.
Common questions
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Nearby places
- Athens, IL — population 1,907
- Sherman, IL — population 4,599
- Grandview, IL — population 1,374
- Williamsville, IL — population 1,430
- Springfield, IL — population 112,544
- Spaulding, IL — population 784
- Leland Grove, IL — population 1,413
- Greenview, IL — population 721