Kingston at a glance
- Population: 1,089 — 627th in Illinois, which has 1,294 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,108 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a loss of about 1.7% since the 2020 count (US Census Bureau).
- Rank among Illinois places: the 627th-largest of 1,294 (US Census Bureau, 2023 estimate).
- Size percentile: about 52% of Illinois's Census places are smaller (US Census Bureau).
- Coordinates: latitude 42.1011, longitude -88.7632 (US Census Bureau Gazetteer).
- Nearest larger cities: Genoa, IL (4 mi); Kirkland, IL (4 mi); Sycamore, IL (8 mi); Cortland, IL (12 mi); DeKalb, IL (12 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Burlington, IL (11 mi); Monroe Center, IL (12 mi); Union, IL (14 mi) (Census populations).
What a personal loan costs in Kingston
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Illinois lending rules that apply in Kingston
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Kingston
Before you commit to a personal loan in Kingston, 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.