Dunfermline at a glance
- Population: 254 residents, the 1,054th-largest of 1,294 places in Illinois (US Census Bureau, Vintage 2023).
- 2020 Census base: 263 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 3.4% below the 2020 Census base (US Census Bureau).
- Rank among Illinois places: 1,054th by size among 1,294 communities (US Census Bureau).
- Size percentile: ahead of around 19% of Illinois places in population terms (US Census Bureau).
- Coordinates: mapped at 40.4917, -90.0325 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): St. David, IL (1 mi); Canton, IL (5 mi); Cuba, IL (8 mi); Lewistown, IL (9 mi); Glasford, IL (13 mi) (US Census Bureau).
- Smaller places nearby: Bryant, IL (4 mi); Banner, IL (6 mi); Liverpool, IL (7 mi), per US Census Bureau estimates.
What a personal loan costs in Dunfermline
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Illinois lending rules that apply in Dunfermline
Read the table as the compliance picture for a lender serving Dunfermline: label, sourced figure, publisher and date.
| 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 Dunfermline
Run through this list before signing anything in Dunfermline:
- 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.