Coulterville at a glance
- Population: a Census-estimated 827, placing it 703rd among Illinois's 1,294 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 834 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a loss of about 0.8% since the 2020 count (US Census Bureau).
- Rank among Illinois places: 703rd of the state's 1,294 Census places (US Census Bureau).
- Size percentile: roughly 46% of places in Illinois rank below it by population (US Census Bureau).
- Coordinates: mapped at 38.1851, -89.6043 by the US Census Bureau Gazetteer.
- Nearest larger cities: Sparta, IL (8 mi); Marissa, IL (10 mi); Percy, IL (12 mi); Steeleville, IL (13 mi); Pinckneyville, IL (17 mi), each a US Census place with its estimated population.
- Nearest smaller places: Tilden, IL (5 mi); Oakdale, IL (8 mi); Cutler, IL (11 mi) (US Census Bureau estimates).
What a personal loan costs in Coulterville
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Illinois lending rules that apply in Coulterville
Each row below is a Illinois rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Coulterville
A few practical steps will make the process in Coulterville less costly:
- 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.