Personal loans in Tremont, IL
Tremont counts about 2,243 people, and what is genuinely local about borrowing here is limited — Illinois law does the governing. Pull your credit reports and line up at least three offers before you apply from Tremont.
The Census counts 2,243 people in Tremont, the 459th-largest figure among Illinois's 1,294 places. Consumer lending that reaches Tremont's 2,243 residents is governed by Illinois statute; no city ordinance changes it. Tremont lost roughly 1.5% of its population across the 2020-to-2023 comparison. Borrowers who want a bigger city can look to Morton, IL about 6 miles away.
What the Census records for Tremont
Most of what governs a Tremont loan is written in Illinois law rather than in the city; the sourced notes below make that split concrete.
- Population: about 2,243, ranked 459th of 1,294 places in Illinois (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 1.5% from 2020 to 2023.
- People gained or lost: about 34 fewer since the 2020 base.
- Size percentile: roughly 65% of Illinois places rank below Tremont.
- Population density: about 1,879 people per square mile across 1.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Tremont ranks 653rd among Illinois's 1,294 places, at 1.2 sq mi.
- State population share: Tremont accounts for about 0.0% of everyone in Illinois.
- National standing: Tremont ranks 7,221st of 19,457 US places.
- Growth in Illinois: Tremont stands 373rd by percentage change from 2020 to 2023, among 1,294 places.
- Against the state trend: Tremont's 1.5% change compares with a Illinois average of -2.0% across its 1,294 places.
- Density rank: Tremont places 247th among Illinois's places by people per square mile.
- Density in context: Tremont's 1,879 people per square mile sit against a Illinois median of 993.
- Location: 40.5250, -89.4890 (Census Gazetteer coordinates).
- Nearest larger cities: Morton (6 mi); Pekin (8 mi); Marquette Heights (9 mi); Creve Coeur (10 mi); East Peoria (11 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Mackinaw (7 mi); Hopedale (8 mi); South Pekin (9 mi).
- Smaller places within 50 miles: 120 of them.
- Larger places within 100 miles: 133.
Lender access in Tremont
With about 1,879 residents per square mile, Tremont is moderately settled, and 29 larger Census places sit within 50 miles. Distance to a branch rarely matters for Tremont's 2,243 residents: the application is online and the price follows your credit file. The nearest bigger place is Morton, IL about 6 miles away.
The Illinois lending rules that reach Tremont
Illinois has no separate rate rule for Tremont; the sourced rows below are what reach every lender that serves its 2,243 people.
| 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 |
| 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 |
| 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 |
A practical checklist for Tremont borrowers
These steps shape the offer you get in Tremont, a place of about 2,243 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Use the loan calculator to test the payment on your intended amount and term.
- Get several pre-qualifications and compare APR side by side before choosing.
- Verify the lender's Illinois licence with the regulator listed on this page.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Test the payment against your current bills before you commit.
The process is identical across Illinois; what changes is your credit file, not the fact that Tremont holds 2,243 people.
Tremont on the map
The Census Gazetteer records about 1.2 square miles of land within Tremont, with no significant water area listed. With 2,243 residents, the land area yields roughly 1,879 people per square mile. The largest place in Illinois, Chicago, lies about 130 miles away. Counting outward 50 miles, 29 larger communities surround Tremont. The 100-mile radius contains 133 larger places.
Tremont in state context
Within Illinois, Tremont holds roughly 0.0% of all residents, the 459th-largest share among 1,294 places. Its 2020-to-2023 change ranks 373rd of 1,294 Illinois places, putting it near the 71th percentile for growth. By density, at about 1,879 people per square mile, it ranks 247th in Illinois. By land area, its 1.2 square miles rank 653rd of 1,294 places in Illinois.
Common questions
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What loan size can I expect in Tremont?
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Does comparing loans in Tremont cost me credit score points?
Nearby places
- Morton, IL — population 17,469
- Hopedale, IL — population 805
- Mackinaw, IL — population 1,845
- Pekin, IL — population 31,126
- Marquette Heights, IL — population 2,490
- East Peoria, IL — population 22,012
- Creve Coeur, IL — population 4,828
- North Pekin, IL — population 1,439