Belle Prairie City at a glance
- Population: the Census estimates 49 residents, ranking 1,276th of 1,294 places in Illinois (Vintage 2023).
- 2020 Census base: 50 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 2.0% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Illinois places: 1,276th-largest of 1,294 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 1% of the places in Illinois (US Census Bureau).
- Coordinates: 38.2235, -88.5557 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Dahlgren, IL (7 mi); Wayne City, IL (9 mi); McLeansboro, IL (9 mi); Sims, IL (10 mi); Belle Rive, IL (10 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Keenes, IL (9 mi); Macedonia, IL (14 mi); Burnt Prairie, IL (16 mi) — US Census Bureau populations.
What a personal loan costs in Belle Prairie City
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.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Illinois lending rules that apply in Belle Prairie City
The Illinois rate caps and licensing rules that reach Belle Prairie City 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 Belle Prairie City
Before you share your details with a lender in Belle Prairie City:
- 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.