Hardin at a glance
- Population: 786 — 717th in Illinois, which has 1,294 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 804 residents here (US Census Bureau).
- 2020 to 2023 change: about 2.2% below the 2020 Census base (US Census Bureau).
- Rank among Illinois places: 717th of 1,294 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 45% of Illinois's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 39.1590, -90.6231 in the US Census Bureau Gazetteer.
- Nearest larger cities: Elsberry, MO (9 mi); Winfield, MO (13 mi); Carrollton, IL (15 mi); Jerseyville, IL (16 mi); Moscow Mills, MO (22 mi); US Census Bureau population estimates.
- Nearest smaller towns: Hamburg, IL (7 mi); Fieldon, IL (7 mi); Batchtown, IL (9 mi) — US Census Bureau populations.
What a personal loan costs in Hardin
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Hardin
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hardin
Run through this list before signing anything in Hardin:
- 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.