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.

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.

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.

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.

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
Payday lending statusPermitted 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 licensingConsumer 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.

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