Personal loans in Thebes, IL

To lend to Thebes's 186 residents, a company must hold a Illinois licence, and each sourced row below names the regulator behind it. The Census estimates 186 residents in Thebes, which ranks it 1,116th of 1,294 places in Illinois. Begin with the payment, then weigh APR and total interest across the lenders that reach Thebes's 186 residents. The 2020 count to the 2023 estimate shows about 10.1% decline in Thebes. A larger market lies at Scott City, MO about 5 miles away.

The Thebes data picture

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

• Population: about 186 people live here, which puts Thebes 1,116th of 1,294 Census places in Illinois (Vintage 2023).
• Population trend: Lower by roughly 10.1% since the 2020 count.
• People gained or lost: about 21 fewer since the 2020 base.
• Size percentile: roughly 14% of Illinois's places have fewer residents than Thebes's 186.
• Population density: about 107 people per square mile (Census land area 1.7 sq mi).
• Land area: Thebes covers 1.7 square miles, the 539th-largest area among Illinois's 1,294 places.
• Water: Thebes holds about 0.57 square miles, the 48th-largest water area in Illinois.
• State share: roughly 0.0% of Illinois's residents live in Thebes (186 people).
• National rank: Thebes sits 16,695th by population among the 19,457 places in this dataset.
• Growth in Illinois: Thebes stands 1,290th by percentage change from 2020 to 2023, among 1,294 places.
• Versus Illinois: the state average change is -2.0%, while Thebes moved 10.1%.
• Density rank: Thebes is the 1,263rd most densely settled place in Illinois.
• Density vs Illinois: Thebes's 107 people per square mile compare with a state median of 993.
• Location: 37.2124, -89.4507 (US Census Bureau Gazetteer).
• Nearest larger cities: Scott City (5 mi); Kelso (6 mi); East Cape Girardeau (6 mi); McClure (7 mi); Cape Girardeau (9 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller places nearby: Commerce (4 mi); Pulaski (13 mi); Mill Creek (14 mi).
• Smaller neighbours: 29 places smaller than Thebes sit within 50 miles.
• Within 100 miles: 337 places are larger than Thebes.

Before you apply in Thebes

A sensible order of operations for a loan in Thebes, home to about 186 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Verify the lender's Illinois licence with the regulator listed on this page.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Decide the purpose and how you will repay it before approaching any lender.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

In Thebes as elsewhere in Illinois, the written terms — not the advertisement — are what count for its 186 residents.

Illinois rules behind a Thebes personal loan

Illinois has no separate rate rule for Thebes; the sourced rows below are what reach every lender that serves its 186 people.

Where Thebes sits in Illinois

Set beside Illinois's 1,294 places, Thebes ranks 1,116th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Thebes ranks 1,290th of 1,294 in Illinois (about the 0th percentile). By density, at about 107 people per square mile, it ranks 1,263rd in Illinois. Within 50 miles sit 29 smaller Census places, alongside the 89 that are larger.

Getting a loan in Thebes

Thebes is a lightly settled community of about 186 people, with 89 larger places inside a 50-mile radius. Whether Thebes has a local branch or not, a Illinois-licensed lender can serve its 186 people online on the same terms. The nearest bigger place is Scott City, MO about 5 miles away.

What shapes a Thebes personal loan

Thebes is a small community of about 186 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Thebes's 186 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Thebes loan but raises total interest, so the smallest payment is not the cheapest loan.