Marietta at a glance
- Population: a Census-estimated 99, placing it 1,228th among Illinois's 1,294 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 103 residents here (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 3.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Illinois places: the 1,228th-largest of 1,294 (US Census Bureau, 2023 estimate).
- Size percentile: about 5% of Illinois's Census places are smaller (US Census Bureau).
- Coordinates: 40.4995, -90.3930 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Smithfield, IL (5 mi); Bushnell, IL (7 mi); Bardolph, IL (9 mi); Prairie City, IL (9 mi); Table Grove, IL (9 mi) (US Census Bureau).
- Smaller places close by: Ellisville, IL (10 mi); Sciota, IL (19 mi); Liverpool, IL (22 mi) (US Census Bureau).
What a personal loan costs in Marietta
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.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Illinois lending rules that apply in Marietta
The Illinois rate caps and licensing rules that reach Marietta are listed below, each with its source and retrieval date.
| 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 Marietta
Run through this list before signing anything in Marietta:
- 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.