St. Francisville at a glance
- Population: 533, the 834th-largest community in Illinois out of 1,294 (US Census Bureau, Vintage 2023).
- 2020 Census base: 569 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 6.3% below the 2020 Census base (US Census Bureau).
- Rank among Illinois places: the 834th-largest of 1,294 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 36% of places in Illinois rank below it by population (US Census Bureau).
- Coordinates: mapped at 38.5919, -87.6475 by the US Census Bureau Gazetteer.
- Nearest larger cities: Vincennes, IN (9 mi); Lawrenceville, IL (10 mi); Bridgeport, IL (10 mi); Mount Carmel, IL (14 mi); Patoka, IN (14 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Allendale, IL (6 mi); Decker, IN (8 mi); Hazleton, IN (9 mi) (Census populations).
What a personal loan costs in St. Francisville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Illinois lending rules that apply in St. Francisville
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in St. Francisville
Here is a short checklist for comparing personal loans in St. Francisville:
- 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.