Listen to or watch or read Chicago traffic reports and “downtown” is likely to come up. Here is what that refers to:

In Chicago, the downtown is like it is in the many big cities: it is the central business district, marked by skyscrapers and business activity. Downtown and the Loop – marked by mass transit lines – are pretty synonymous. The Loop is one of the city’s 77 community areas that have been defined for decades.
But the downtown referenced above is outside the Loop. It is across the Chicago River. It is marked not by financial matters but by the convergence of highways. It arose on top of existing neighborhoods. This is technically the Jane Byrne Interchange, a busy location where people are driving in and out of the city. Depending on traffic, it can take a while to get from this location to downtown.
While they are not the same place, this sounds very American: the center of the city is actually where the most vehicles meet. As so much day-to-day life involves driving, perhaps this is downtown for many.