Personal loans in South Roxana, IL
About 1,854 people live in South Roxana, placing it 493rd of 1,294 Census places in Illinois. In South Roxana, one of 1,294 Census places in Illinois, the figure to compare across lenders is the APR, not the advertised rate.
Rate-shopping from South Roxana costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Every figure below is Illinois's own, applied to South Roxana's 1,854 residents, with the publisher and retrieval date attached. From the 2020 Census base to the 2023 estimate, the population declined by about 2.0%. For a bigger market, look to Wood River, IL about 4 miles away.
What the Census records for South Roxana
Set out below is South Roxana's local context next to the state-level rules that reach every lender here.
- Population: about 1,854, ranked 493rd of 1,294 places in Illinois (Census Vintage 2023 subcounty estimate).
- Population trend: A decline of about 2.0% across the 2020-to-2023 comparison.
- Absolute change: 37 residents lost between 2020 and 2023.
- Size percentile: South Roxana's 1,854 people outrank roughly 62% of the places in Illinois.
- Population density: 859 people per square mile on 2.2 square miles of land.
- Land area: South Roxana covers 2.2 square miles, the 459th-largest area among Illinois's 1,294 places.
- Water area rank: South Roxana ranks 215th among Illinois's 1,294 places, with 0.10 sq mi.
- State population share: South Roxana accounts for about 0.0% of everyone in Illinois.
- National rank: South Roxana sits 7,900th by population among the 19,457 places in this dataset.
- Growth in Illinois: South Roxana stands 569th by percentage change from 2020 to 2023, among 1,294 places.
- State comparison: Illinois's places average -2.0% for 2020-to-2023, against South Roxana's 2.0%.
- Density in Illinois: South Roxana ranks 742nd by people per square mile.
- Density vs Illinois: South Roxana's 859 people per square mile compare with a state median of 993.
- Location: it lies at 38.8106, -90.0599 in the Census Gazetteer.
- Nearest larger cities: Wood River (4 mi); Edwardsville (4 mi); Glen Carbon (5 mi); East Alton (6 mi); Pontoon Beach (6 mi). Online lenders reach South Roxana no matter how far the nearest branch is.
- Smaller places close by: Roxana (1 mi); Hartford (2 mi); West Alton (9 mi).
- Smaller places within 50 miles: 151 of them.
- At 100 miles: 200 larger Census places fall inside that radius.
What Illinois law requires in South Roxana
These are Illinois's sourced lending facts as they reach South Roxana's 1,854 residents; the state has no city-level rate rule.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Illinois 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 |
| Payday lending status | Permitted 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 |
| Small-loan / installment lender licensing | Consumer Installment Loan Act license required from the Director of Financial Institutions (loans above 9% APR) Source says: "No person ... shall engage in the business of making loans of money ... except ... after first obtaining a license from the Director of Financial Institutions". | Illinois General Assembly (Illinois Compiled Statutes) as of 2026-09-16 |
The anatomy of a South Roxana personal loan
In South Roxana, a small community of about 1,854, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than South Roxana's rank of 493rd in Illinois: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in South Roxana decides the split between a comfortable payment and the total interest you pay.
South Roxana: area, density and distance
The Census Gazetteer records 2.2 square miles of land and 0.10 square miles of water within South Roxana. The resulting density is about 859 people per square mile. The state's population centre of gravity, Chicago, is roughly 244 miles away. A 50-mile radius around South Roxana takes in 126 places that are larger. The 100-mile radius contains 200 larger places.
What is available to South Roxana borrowers
South Roxana is a moderately settled community of about 1,854 people, with 126 larger places inside a 50-mile radius. What is available to South Roxana's 1,854 borrowers is set by Illinois licensing and your own credit, not by how many branches are nearby. The nearest larger city, Wood River, IL about 4 miles away.
South Roxana against the rest of Illinois
Against Illinois's other places, South Roxana accounts for about 0.0% of the state's population and ranks 493rd of 1,294 by size. On the 2020-to-2023 trend, South Roxana stands 569th among Illinois's 1,294 places — roughly the 56th percentile. At about 859 people per square mile, South Roxana is the 742nd most densely settled place in Illinois. Within 50 miles sit 151 smaller Census places, alongside the 126 that are larger.
Common questions
What are my options in South Roxana if my credit is poor?
What loan size can I expect in South Roxana?
Do I have to pledge anything to borrow in South Roxana?
Does comparing loans in South Roxana cost me credit score points?
Nearby places
- Roxana, IL — population 1,413
- Hartford, IL — population 1,157
- Wood River, IL — population 10,270
- Edwardsville, IL — population 26,698
- East Alton, IL — population 5,639
- Pontoon Beach, IL — population 5,804
- Bethalto, IL — population 9,170
- Glen Carbon, IL — population 13,868