Amber Salts, 20, took the girl to the home of a 48-year-old man she had been "romantically involved" with and allowed the girl to have sex with him, said Madison County sheriff's Sgt. Mike Dixon.
Larry Westwood paid the girl $140, which she split with Salts, police said.
Salts was charged Friday with contributing to the delinquency of a minor and pimping. Westwood was charged with two counts of predatory criminal sexual assault.
The girl was treated at a local hospital this week and released with no physical injuries.
Salts and Westwood are being held at the Madison County jail. Salts is being held on $7,500 bond. Westwood's bond is $150,000.
Jail officials did not know whether they have attorneys.