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Personal loans in Barron, WI

A personal loan in Barron is an unsecured installment loan for consolidation or a planned expense, and what it costs follows your credit, income and debts. With roughly 3,663 people, Barron ranks 184th of 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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Barron at a glance

  • Population: about 3,663 residents, ranking 184th of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
  • 2020 Census base: 3,734 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: a decline of roughly 1.9% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Wisconsin places: 184th out of 605 Census places (US Census Bureau).
  • Size percentile: roughly 70% of places in Wisconsin rank below it by population (US Census Bureau).
  • Coordinates: latitude 45.4022, longitude -91.8444 (US Census Bureau Gazetteer).
  • Nearest larger cities (within 120 miles): Rice Lake, WI (7 mi); Bloomer, WI (27 mi); Menomonie, WI (36 mi); Chippewa Falls, WI (39 mi); New Richmond, WI (39 mi) (US Census Bureau populations).
  • Nearest smaller towns: Cameron, WI (5 mi); Almena, WI (9 mi); Dallas, WI (10 mi) — US Census Bureau populations.

What a personal loan costs in Barron

A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.

Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.

Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.

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 Barron

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 Barron

Here is a short checklist for comparing personal loans in Barron:

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