Prairie du Rocher at a glance
- Population: roughly 509 people; 850th of 1,294 places in Illinois (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 501 (US Census Bureau).
- 2020 to 2023 change: up roughly 1.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Illinois places: 850th largest of 1,294 (US Census Bureau).
- Size percentile: about 34% of places in Illinois are smaller (US Census Bureau).
- Coordinates: 38.0817 latitude, -90.0976 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Ste. Genevieve, MO (8 mi); Bloomsdale, MO (8 mi); Evansville, IL (9 mi); Red Bud, IL (10 mi); Waterloo, IL (18 mi) (US Census Bureau).
- Smaller towns nearby: Ruma, IL (6 mi); Fults, IL (8 mi); Ellis Grove, IL (11 mi) (US Census Bureau).
What a personal loan costs in Prairie du Rocher
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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 Prairie du Rocher
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Prairie du Rocher
Before you commit to a personal loan in Prairie du Rocher, work through these steps:
- 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.