Personal loans in Tallula, IL
Tallula, Illinois — home to about 423 people — is a small community, so the terms you are offered follow Illinois law rather than any local rule. Tallula lost roughly 2.5% of its population across the 2020-to-2023 comparison.
At about 423 residents, Tallula is larger than roughly 29% of the places in Illinois. For a community of about 423, the practical step is to compare APR across at least three lenders before committing. State law, not city hall, decides what a lender may do to Tallula's roughly 423 residents, and a state regulator supervises it. The next larger city is Pleasant Plains, IL about 5 miles away.
Tallula: population, trend and location
What follows is Tallula's place in the Census record, alongside the Illinois rules that govern a personal loan made here.
- Population: 423 people, a figure that places Tallula 918th among the 1,294 Census places in Illinois (US Census Bureau, Vintage 2023).
- Population trend: A decline of about 2.5% across the 2020-to-2023 comparison.
- Absolute change: 11 residents lost between 2020 and 2023.
- Size percentile: about 29% of Illinois's Census places are smaller than Tallula.
- Land and density: 0.5 square miles of land carry roughly 797 residents per square mile.
- By land area: Tallula ranks 1,020th among Illinois's 1,294 places, at 0.5 sq mi.
- State population share: Tallula accounts for about 0.0% of everyone in Illinois.
- National standing: Tallula ranks 13,864th of 19,457 US places.
- Growth rank: Tallula ranks 809th among Illinois's 1,294 places for the 2020-to-2023 change.
- Versus Illinois: the state average change is -2.0%, while Tallula moved 2.5%.
- Density rank: Tallula places 789th among Illinois's places by people per square mile.
- Density vs Illinois: Tallula's 797 people per square mile compare with a state median of 993.
- Location: latitude 39.9457, longitude -89.9366 (Census Gazetteer).
- Nearest larger cities: Pleasant Plains (5 mi); Ashland (5 mi); Petersburg (7 mi); Athens (11 mi); Chandlerville (13 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities close by: Oakford (11 mi); Berlin (13 mi); Cantrall (14 mi), each with its own Census population profile.
- Within a 50-mile radius: 61 smaller Census places.
- Within 100 miles: 455 places are larger than Tallula.
How personal loans work in Tallula
Tallula is a small community of about 423 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Tallula's 423 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Tallula decides the split between a comfortable payment and the total interest you pay.
Lender access in Tallula
Tallula is a moderately settled community of about 423 people, with 90 larger places inside a 50-mile radius. A Illinois licence lets a lender serve Tallula without a local office, so branch density does not change what its 423 residents are offered. The nearest larger city, Pleasant Plains, IL about 5 miles away.
Where Tallula sits
Inside Tallula's boundaries lie about 0.5 square miles of land, with no significant water area recorded. The resulting density is about 797 people per square mile. Chicago, the largest place in Illinois, is about 176 miles from Tallula. Tallula has 90 larger places within a 50-mile radius. Within the same 50 miles lie 61 smaller Census places.
How Tallula compares across Illinois
Tallula is the 918th-largest of 1,294 Census places in Illinois and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 809th of 1,294 Illinois places, putting it near the 37th percentile for growth. At about 797 people per square mile, Tallula is the 789th most densely settled place in Illinois. By land area, its 0.5 square miles rank 1,020th of 1,294 places in Illinois.
Illinois consumer-lending rules applied in Tallula
These are Illinois's sourced lending facts as they reach Tallula's 423 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 |
| 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 |
Common questions
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Nearby places
- Pleasant Plains, IL — population 804
- Ashland, IL — population 1,177
- Petersburg, IL — population 2,197
- Oakford, IL — population 230
- Berlin, IL — population 143
- Athens, IL — population 1,907
- Kilbourne, IL — population 257
- New Berlin, IL — population 1,352