Bush at a glance
- Population: 238 residents, the 1,063rd-largest of 1,294 places in Illinois (US Census Bureau, Vintage 2023).
- 2020 Census base: 242 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down roughly 1.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Illinois places: 1,063rd in population of 1,294 places (US Census Bureau).
- Size percentile: larger than about 18% of the Census places in Illinois (US Census Bureau).
- Coordinates: 37.8419, -89.1299 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Hurst, IL (1 mi); Royalton, IL (3 mi); Cambria, IL (4 mi); De Soto, IL (6 mi); Carterville, IL (6 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Colp, IL (4 mi); Vergennes, IL (12 mi); Spillertown, IL (12 mi) — US Census Bureau populations.
What a personal loan costs in Bush
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Illinois lending rules that apply in Bush
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 |
| 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 |
How to compare offers in Bush
Here is a short checklist for comparing personal loans in Bush:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Illinois using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.