Holiday Hills at a glance
- Population: 607 (US Census Bureau, Vintage 2023 subcounty estimate), the 800th-largest of 1,294 places in Illinois.
- 2020 Census base: the 2020 count put the population at 617 (US Census Bureau).
- 2020 to 2023 change: about 1.6% lower than the 2020 Census base (US Census Bureau).
- Rank among Illinois places: 800th of the state's 1,294 Census places (US Census Bureau).
- Size percentile: about 38% of places in Illinois are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 42.2959, -88.2288.
- Nearest larger cities (within 120 miles): Island Lake, IL (2 mi); Prairie Grove, IL (3 mi); Lakemoor, IL (3 mi); Oakwood Hills, IL (3 mi); Port Barrington, IL (4 mi) (US Census Bureau populations).
- Smaller places nearby: Trout Valley, IL (7 mi); Greenwood, IL (10 mi); Indian Creek, IL (14 mi), per US Census Bureau estimates.
What a personal loan costs in Holiday Hills
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Illinois lending rules that apply in Holiday Hills
The table lists the Illinois rules that apply to a loan made in Holiday Hills, each with the regulator that published it.
| 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 Holiday Hills
Here is a short checklist for comparing personal loans in Holiday Hills:
- 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.