Ullin at a glance
- Population: about 449, 897th by size in Illinois of 1,294 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 468 residents here (US Census Bureau).
- 2020 to 2023 change: about 4.1% lower than the 2020 Census base (US Census Bureau).
- Rank among Illinois places: 897th-largest of 1,294 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 31% of the places in Illinois (US Census Bureau).
- Coordinates: it sits at 37.2802, -89.1758 in the US Census Bureau Gazetteer.
- Nearest larger cities: Dongola, IL (5 mi); Mounds, IL (11 mi); Jonesboro, IL (13 mi); Anna, IL (13 mi); Mound City, IL (13 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Pulaski, IL (4 mi); Tamms, IL (6 mi); Mill Creek, IL (6 mi) (US Census Bureau estimates).
What a personal loan costs in Ullin
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Ullin
Read the table as the compliance picture for a lender serving Ullin: label, sourced figure, publisher and date.
| 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 Ullin
The order below is a sensible way to approach a loan in Ullin:
- 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.