Personal loans in Roxana, IL

Which products a lender may offer to Roxana's 1,413 residents follows from the Illinois consumer-lending framework. About 1,413 people live in Roxana, placing it 556th of 1,294 Census places in Illinois. Begin with the payment, then weigh APR and total interest across the lenders that reach Roxana's 1,413 residents. Roxana shed about 2.7% of its population between the 2020 base and the 2023 estimate. The next larger city is South Roxana, IL about 1 miles away.

Where Roxana stands

Only a few things actually differ by place — population, area, location, and the Illinois rules a lender must follow — and they are below.

• Population: about 1,413, ranked 556th of 1,294 places in Illinois (Census Vintage 2023 subcounty estimate).
• Population trend: A loss of roughly 2.7% between 2020 and 2023.
• People gained or lost: about 39 fewer since the 2020 base.
• Size percentile: roughly 57% of Illinois places rank below Roxana.
• Population density: about 198 people per square mile (Census land area 7.1 sq mi).
• Land area rank: Roxana's 7.1 square miles rank 180th of 1,294 places in Illinois.
• Water area: Roxana has 0.12 square miles of water, ranking 195th of 1,294 places in Illinois.
• State population share: Roxana accounts for about 0.0% of everyone in Illinois.
• National rank: Roxana sits 8,918th by population among the 19,457 places in this dataset.
• Growth rank: Roxana ranks 861st among Illinois's 1,294 places for the 2020-to-2023 change.
• Against the state trend: Roxana's 2.7% change compares with a Illinois average of -2.0% across its 1,294 places.
• Density rank: Roxana places 1,194th among Illinois's places by people per square mile.
• Against the state median: Roxana runs about 198 residents per square mile, where the Illinois median is 993.
• Location: latitude 38.8216, longitude -90.0459 (Census Gazetteer).
• Nearest larger cities: South Roxana (1 mi); Wood River (3 mi); Edwardsville (4 mi); East Alton (5 mi); Glen Carbon (6 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Hartford (3 mi); West Alton (9 mi); Hamel (12 mi).
• Smaller neighbours: 141 places smaller than Roxana sit within 50 miles.
• Within 100 miles: 226 places are larger than Roxana.

What to do before borrowing in Roxana

A sensible order of operations for a loan in Roxana, home to about 1,413 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the Illinois licence with the regulator named above before committing.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across Illinois; what changes is your credit file, not the fact that Roxana holds 1,413 people.

Inside a Roxana personal loan

A Roxana personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,413 residents. A lender serving Roxana's 1,413 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Roxana loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The state rulebook for Roxana

Illinois has no separate rate rule for Roxana; the sourced rows below are what reach every lender that serves its 1,413 people.

Where Roxana sits in Illinois

Within Illinois, Roxana holds roughly 0.0% of all residents, the 556th-largest share among 1,294 places. On the 2020-to-2023 trend, Roxana stands 861st among Illinois's 1,294 places — roughly the 33th percentile. By density, at about 198 people per square mile, it ranks 1,194th in Illinois. Within 50 miles sit 141 smaller Census places, alongside the 136 that are larger.

What is available to Roxana borrowers

At roughly 198 people per square mile, Roxana is lightly settled; 136 larger places lie within 50 miles. Distance to a branch rarely matters for Roxana's 1,413 residents: the application is online and the price follows your credit file. The nearest larger city, South Roxana, IL about 1 miles away.