Personal loans in Lyons, IL

An estimated 10,304 people make their home in Lyons, a figure that ranks 218th in Illinois. Lyons shed about 4.8% of its population between the 2020 base and the 2023 estimate.

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.

With roughly 10,304 residents, Lyons is a small town, and the lending rules its borrowers live under are written in Illinois, not by the city. For the 10,304 people in Lyons, Illinois runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. For a community of about 10,304, the practical step is to compare APR across at least three lenders before committing. The next larger city is Summit, IL about 2 miles away.

Lyons: population, trend and location

Read the local figures below as context; read the sourced Illinois table as the rulebook a lender here must follow.

Where Lyons sits

Lyons covers about 2.2 square miles of land, with 0.07 square miles of water inside its boundaries (Census Gazetteer). That land carries about 4,669 people per square mile. For the state's biggest city, Chicago, the distance is roughly 7 miles. A 50-mile radius around Lyons takes in 178 places that are larger. By land area it ranks 455th of 1,294 Illinois places.

Where Lyons sits in Illinois

Lyons is the 218th-largest of 1,294 Census places in Illinois and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Lyons stands 1,249th among Illinois's 1,294 places — roughly the 3th percentile. Its roughly 4,669 residents per square mile place it 48th among Illinois's places. Between 2020 and 2023 the count changed by roughly 516 residents.

What a Lyons borrower is actually offered

Most loans made to Lyons's 10,304 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Lyons's 10,304 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Lyons decides the split between a comfortable payment and the total interest you pay.

Lender access in Lyons

Lyons is a fairly dense community of about 10,304 people, with 178 larger places inside a 50-mile radius. Distance to a branch rarely matters for Lyons's 10,304 residents: the application is online and the price follows your credit file. The nearest larger city, Summit, IL about 2 miles away.

Which Illinois laws govern a loan in Lyons

Illinois has no separate rate rule for Lyons; the sourced rows below are what reach every lender that serves its 10,304 people.

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
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

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

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