Personal loans in Latham, IL

Rate ceilings, licensing requirements and product limits for Latham are all set at the Illinois level. With an estimated 326 residents, Latham is the 980th-largest of 1,294 places in Illinois. Judge Latham offers on total cost, not on how quickly the money arrives. A 2020-to-2023 comparison shows Latham down by about 1.8%. The nearest larger city is Warrensburg, IL about 6 miles away.

Latham: the sourced local profile

Two layers matter for a Latham borrower: the local population picture and Illinois's consumer-lending statutes.

• Population: a Census-estimated 326, 980th among Illinois's 1,294 places (Vintage 2023).
• Population trend: About 1.8% below the 2020 Census base.
• Net change: roughly 6 fewer people than the 2020 Census counted.
• Size percentile: Latham's 326 people outrank roughly 24% of the places in Illinois.
• Land and density: 0.3 square miles of land carry roughly 1,194 residents per square mile.
• Land area: Latham covers 0.3 square miles, the 1,185th-largest area among Illinois's 1,294 places.
• Share of state population: Latham's 326 residents are about 0.0% of Illinois.
• Nationally: Latham is the 14,827th-largest of 19,457 Census places in the dataset.
• Growth in Illinois: Latham stands 508th by percentage change from 2020 to 2023, among 1,294 places.
• Versus Illinois: the state average change is -2.0%, while Latham moved 1.8%.
• Density rank: Latham is the 538th most densely settled place in Illinois.
• Against the state median: Latham runs about 1,194 residents per square mile, where the Illinois median is 993.
• Location: coordinates 39.9670, -89.1623 (US Census Bureau Gazetteer).
• Nearest larger cities: Warrensburg (6 mi); Mount Pulaski (7 mi); Niantic (8 mi); Illiopolis (9 mi); Harristown (10 mi). Larger metros often have more branches, but online lenders reach Latham on the same terms.
• Smaller places close by: Kenney (10 mi); Broadwell (16 mi); Cisco (23 mi).
• Within a 50-mile radius: 35 smaller Census places.
• Within 100 miles: 428 places are larger than Latham.

The Latham borrowing checklist

A sensible order of operations for a loan in Latham, home to about 326 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the Illinois licence with the regulator named above before committing.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Be clear on what the loan is for and how it gets repaid.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

In Latham as elsewhere in Illinois, the written terms — not the advertisement — are what count for its 326 residents.

What shapes a Latham personal loan

Latham is a small community of about 326 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 Latham lender to disclose the APR and finance charge before you sign. The term you choose in Latham decides the split between a comfortable payment and the total interest you pay.

How Illinois law applies in Latham

Every row below records a Illinois rule, its publisher and its retrieval date — the same rules a Latham lender must follow.

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

Latham is the 980th-largest of 1,294 Census places in Illinois and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Latham stands 508th among Illinois's 1,294 places — roughly the 61th percentile. At about 1,194 people per square mile, Latham is the 538th most densely settled place in Illinois. In land area, Latham ranks 1,185th among Illinois's 1,294 places.

The geography behind Latham

Inside Latham's boundaries lie about 0.3 square miles of land, with no significant water area recorded. Spread across it are roughly 1,194 residents per square mile. The largest place in Illinois, Chicago, lies about 150 miles away. Counting outward 50 miles, 119 larger communities surround Latham. By land area it ranks 1,185th of 1,294 Illinois places.