Personal loans in Kingston Mines, IL

Two households in Kingston Mines with comparable incomes can still be offered different rates; the city's 261 residents are not the reason. With 261 residents, Kingston Mines outranks about 19% of the communities 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.

Use the calculator on this page to price an amount and term before you commit in Kingston Mines. Population in Kingston Mines dropped about 3.0% over the three years from 2020 to 2023. To lend to Kingston Mines's 261 residents, a company must hold a Illinois licence, and each sourced row below names the regulator behind it. The closest larger city is Glasford, IL about 2 miles away.

What the Census records for Kingston Mines

Kingston Mines is a small community; the notes below cover its population profile and the statewide rules that apply.

Kingston Mines on the map

Inside Kingston Mines's boundaries lie roughly 1.4 square miles of land and 0.14 square miles of water. With 261 residents, the land area yields roughly 181 people per square mile. For the state's biggest city, Chicago, the distance is roughly 140 miles. Kingston Mines has 118 larger places within a 50-mile radius. By land area it ranks 588th of 1,294 Illinois places.

The state rulebook for Kingston Mines

Below are the Illinois rules that apply to a loan made in Kingston Mines, each with the regulator that issued it.

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

Before you apply in Kingston Mines

Before you hand your details to a lender in Kingston Mines, where the population is near 261:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Check the Illinois regulator's records to confirm the lender is licensed here.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

What differs between Kingston Mines and the rest of Illinois is not the process but the borrower's own file, among the 261 people here.

How lenders reach Kingston Mines

At roughly 181 people per square mile, Kingston Mines is lightly settled; 118 larger places lie within 50 miles. Lenders licensed in Illinois reach Kingston Mines's 261 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Glasford, IL about 2 miles away.

Where Kingston Mines sits in Illinois

Among Illinois's 1,294 places, Kingston Mines sits at 1,044th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 924th of 1,294 Illinois places, putting it near the 29th percentile for growth. By density, at about 181 people per square mile, it ranks 1,201st in Illinois. In land area, Kingston Mines ranks 588th among Illinois's 1,294 places.

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