Rushville at a glance
- Population: a Census-estimated 2,923, placing it 416th among Illinois's 1,294 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 3,003 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population fell about 2.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Illinois places: the 416th-largest of 1,294 (US Census Bureau, 2023 estimate).
- Size percentile: larger than about 68% of the Census places in Illinois (US Census Bureau).
- Coordinates: 40.1200 latitude, -90.5665 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Beardstown, IL (10 mi); Macomb, IL (25 mi); Jacksonville, IL (32 mi); South Jacksonville, IL (34 mi); Pittsfield, IL (38 mi), each a US Census place with its estimated population.
- Smaller places close by: Ripley, IL (8 mi); Littleton, IL (8 mi); Browning, IL (10 mi) (US Census Bureau).
What a personal loan costs in Rushville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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-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 Rushville
Read the table as the compliance picture for a lender serving Rushville: label, sourced figure, publisher and 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 Rushville
Run through this list before signing anything in Rushville:
- 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.