Rockbridge at a glance
- Population: 171 — 1,136th in Illinois, which has 1,294 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 177 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 3.4% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Illinois places: 1,136th of 1,294 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 12% of the Census places in Illinois (US Census Bureau).
- Coordinates: 39.2693 latitude, -90.2066 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Greenfield, IL (5 mi); Medora, IL (7 mi); Kane, IL (9 mi); Carrollton, IL (11 mi); Jerseyville, IL (12 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Chesterfield, IL (8 mi); Fidelity, IL (8 mi); Hettick, IL (11 mi), each a US Census place.
What a personal loan costs in Rockbridge
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.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Rockbridge
The Illinois rate caps and licensing rules that reach Rockbridge are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Rockbridge
The steps below are worth completing first when you borrow in Rockbridge:
- 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.