Personal loans in Hampton, IL

Hampton, Illinois — home to about 1,738 people — is a small community, so the terms you are offered follow Illinois law rather than any local rule. About 1,738 people live in Hampton, placing it 503rd of 1,294 Census places in Illinois.

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.

Hampton shed about 2.1% of its population between the 2020 base and the 2023 estimate. To lend to Hampton's 1,738 residents, a company must hold a Illinois licence, and each sourced row below names the regulator behind it. Pull your credit reports and line up at least three offers before you apply from Hampton. The closest larger place is East Moline, IL about 3 miles away.

Borrowing in Hampton: the local picture

What follows is Hampton's place in the Census record, alongside the Illinois rules that govern a personal loan made here.

What shapes a Hampton personal loan

Hampton is a small community of about 1,738 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Hampton lender to disclose the APR and finance charge before you sign. The term you choose in Hampton decides the split between a comfortable payment and the total interest you pay.

Borrowing reach in Hampton

At roughly 1,190 people per square mile, Hampton is moderately settled; 38 larger places lie within 50 miles. Lenders licensed in Illinois reach Hampton's 1,738 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is East Moline, IL about 3 miles away.

How Hampton compares across Illinois

Hampton is the 503rd-largest of 1,294 Census places in Illinois and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 652nd of 1,294 Illinois places, putting it near the 50th percentile for growth. At about 1,190 people per square mile, Hampton is the 541st most densely settled place in Illinois. Between 2020 and 2023 the count changed by roughly 38 residents.

Where Hampton sits

Hampton covers about 1.5 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 1,190 people per square mile. Chicago, the largest place in Illinois, is about 142 miles from Hampton. A 50-mile radius around Hampton takes in 38 places that are larger. The 100-mile radius contains 165 larger places.

The Illinois lending rules that reach Hampton

For the roughly 1,738 residents of Hampton, the rules below are Illinois's own; each row carries its publisher and retrieval date.

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
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 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

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