Personal loans in Mazon, IL

To lend to Mazon's 980 residents, a company must hold a Illinois licence, and each sourced row below names the regulator behind it. Mazon ranks 658th of 1,294 places in Illinois, with a population near 980.

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.

Mazon counts about 980 people, and what is genuinely local about borrowing here is limited — Illinois law does the governing. Census figures put the 2020-to-2023 decrease in Mazon at about 0.1%. Compare APR, not the interest rate, because the APR folds in most fees on a Mazon loan. The nearest larger city is Gardner, IL about 7 miles away.

Mazon: the sourced local profile

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

Mazon: area, density and distance

Mazon's land area is roughly 0.6 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 1,628 residents per square mile. Chicago, the largest place in Illinois, is about 56 miles from Mazon. A 50-mile radius around Mazon takes in 167 places that are larger. By land area it ranks 971st of 1,294 Illinois places.

How lenders reach Mazon

Mazon is a moderately settled community of about 980 people, with 167 larger places inside a 50-mile radius. What is available to Mazon's 980 borrowers is set by Illinois licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Gardner, IL about 7 miles away.

How Illinois law applies in Mazon

These are Illinois's sourced lending facts as they reach Mazon's 980 residents; the state has no city-level rate rule.

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

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

Mazon is the 658th-largest of 1,294 Census places in Illinois and contains about 0.0% of the state's people. For population change between 2020 and 2023, Mazon ranks 149th of 1,294 in Illinois (about the 88th percentile). Its roughly 1,628 residents per square mile place it 322nd among Illinois's places. In land area, Mazon ranks 971st among Illinois's 1,294 places.

How personal loans work in Mazon

Most loans made to Mazon's 980 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Mazon's rank of 658th in Illinois: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Mazon loan but raises total interest, so the smallest payment is not the cheapest loan.

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

Related