Earlville at a glance
- Population: a Census-estimated 1,597, placing it 522nd among Illinois's 1,294 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,615 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population fell about 1.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Illinois places: 522nd-largest of 1,294 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 60% of places in Illinois rank below it by population (US Census Bureau).
- Coordinates: 41.5881, -88.9230 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Mendota, IL (9 mi); Somonauk, IL (13 mi); Sheridan, IL (13 mi); Sandwich, IL (16 mi); Ottawa, IL (17 mi) (US Census Bureau populations).
- Nearest smaller towns: Leland, IL (7 mi); Paw Paw, IL (8 mi); Compton, IL (11 mi) — US Census Bureau populations.
What a personal loan costs in Earlville
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.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Illinois lending rules that apply in Earlville
Read the table as the compliance picture for a lender serving Earlville: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Earlville
Before you commit to a personal loan in Earlville, work through these steps:
- 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.