Mapleton at a glance
- Population: 250 (US Census Bureau, Vintage 2023 subcounty estimate), the 1,058th-largest of 1,294 places in Illinois.
- 2020 Census base: the 2020 count put the population at 258 (US Census Bureau).
- 2020 to 2023 change: roughly 3.1% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Illinois places: 1,058th by size among 1,294 communities (US Census Bureau).
- Size percentile: roughly 18% of places in Illinois rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.5730, -89.7247.
- Nearest larger cities: Kingston Mines, IL (3 mi); Glasford, IL (5 mi); Pekin, IL (5 mi); Bartonville, IL (6 mi); North Pekin, IL (6 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Banner, IL (11 mi); Forest City, IL (15 mi); Norris, IL (17 mi) (US Census Bureau).
What a personal loan costs in Mapleton
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Mapleton
The table lists the Illinois rules that apply to a loan made in Mapleton, each with the regulator that published it.
| 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 Mapleton
These steps are the ones that most affect the offer you receive in Mapleton:
- 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.