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Personal loans in Amery, WI

In Amery, a personal loan turns a one-time expense into predictable monthly payments, and the rate you get depends on your credit, income and debts. With roughly 2,956 people, Amery ranks 215th of 605 Census places in Wisconsin. Wisconsin sets the rate caps and licensing rules a lender must follow here, and the sourced table below lists them.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Amery at a glance

  • Population: 2,956 (US Census Bureau, Vintage 2023 subcounty estimate), the 215th-largest of 605 places in Wisconsin.
  • 2020 Census base: 2,966 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: down roughly 0.3% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Wisconsin places: 215th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: larger than about 64% of the Census places in Wisconsin (US Census Bureau).
  • Coordinates: 45.3046 / -92.3634, per the US Census Bureau Gazetteer.
  • Nearest larger cities: New Richmond, WI (15 mi); Somerset, WI (19 mi); Scandia, MN (23 mi); Lindstrom, MN (24 mi); Baldwin, WI (24 mi) — straight-line distances, US Census Bureau populations.
  • Smaller places nearby: Clear Lake, WI (6 mi); Deer Park, WI (8 mi); Clayton, WI (10 mi), per US Census Bureau estimates.

What a personal loan costs in Amery

Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.

APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.

A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.

Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.

Wisconsin lending rules that apply in Amery

Where a figure is not published by the state, the row points to the source instead of guessing.

RuleDetailSource
Small-loan / installment lender licensingLicensed lender license required from the Division of Banking (Wis. Stat. § 138.09)
Source says: Before any person may do business under this section, that person shall first obtain a license from the division.		Wisconsin State Legislature
as of 2026-09-16
State lending regulatorWisconsin Department of Financial Institutions (DFI), Division of Banking
Source says: "Department" means the department of financial institutions		Wisconsin State Legislature
as of 2026-09-16
Maximum legal interest rate (usury cap)12% per year maximum ($12 per $100) on the declining principal balance, except as authorized by other statutes (Wis. Stat. § 138.05(1)(a))
Source says: At the rate of $12 upon $100 for one year computed upon the declining principal balance of the loan or forbearance		Wisconsin State Legislature
as of 2026-09-16
Payday lending statusLegal and licensed by the DFI Division of Banking; statewide database tracking (Wis. Stat. § 138.14)
Source says: "Licensee" means a person holding a license issued by the division under sub. (5)		Wisconsin State Legislature
as of 2026-09-16

How to compare offers in Amery

Run through this list before signing anything in Amery:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Wisconsin using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Amery?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Amery are the same as elsewhere in Wisconsin.
How much can I borrow with a personal loan in Amery?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Amery require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Amery hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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