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Personal loans in Barneveld, WI

In Barneveld, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. At about 1,329 residents, Barneveld is the 323rd-largest of the 605 Census places in Wisconsin. The sourced table below shows the Wisconsin rate caps and licensing requirements that reach every loan made here.

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

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Barneveld at a glance

  • Population: 1,329 residents, the 323rd-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
  • 2020 Census base: 1,327 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: up roughly 0.2% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Wisconsin places: 323rd largest of 605 (US Census Bureau).
  • Size percentile: it is larger than about 47% of the places in Wisconsin (US Census Bureau).
  • Coordinates: 43.0122 latitude, -89.8982 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities (within 120 miles): Mount Horeb, WI (8 mi); Black Earth, WI (11 mi); Dodgeville, WI (12 mi); Mazomanie, WI (12 mi); Spring Green, WI (14 mi) (US Census Bureau populations).
  • Smaller places nearby: Blue Mounds, WI (4 mi); Ridgeway, WI (5 mi); Hollandale, WI (10 mi), per US Census Bureau estimates.

What a personal loan costs in Barneveld

Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.

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.

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.

Wisconsin lending rules that apply in Barneveld

Each row below is a Wisconsin rule with its publisher and the date it was retrieved.

RuleDetailSource
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
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

How to compare offers in Barneveld

A few practical steps will make the process in Barneveld less costly:

  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 Barneveld?
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 Barneveld are the same as elsewhere in Wisconsin.
How much can I borrow with a personal loan in Barneveld?
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 Barneveld 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 Barneveld 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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