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Personal loans in Benton, WI

In Benton, a personal loan turns a one-time expense into predictable monthly payments, and the rate you get depends on your credit, income and debts. The Census puts Benton at about 968 residents, the 370th-largest of 605 places in Wisconsin. Every lender serving Wisconsin must observe the state's rate caps and licensing rules, shown with their sources below.

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

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Benton at a glance

  • Population: the Census estimates 968 residents, ranking 370th of 605 places in Wisconsin (Vintage 2023).
  • 2020 Census base: 941 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: up roughly 2.9% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Wisconsin places: 370th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: about 39% of places in Wisconsin are smaller (US Census Bureau).
  • Coordinates: mapped at 42.5700, -90.3834 by the US Census Bureau Gazetteer.
  • Nearest larger cities: Cuba City, WI (3 mi); Hazel Green, WI (4 mi); Shullsburg, WI (8 mi); Galena, IL (10 mi); Dickeyville, WI (11 mi); each population is a US Census Bureau estimate.
  • Nearest smaller communities: Scales Mound, IL (9 mi); Menominee, IL (10 mi); Apple River, IL (15 mi) (Census populations).

What a personal loan costs in Benton

With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.

Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.

The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.

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 Benton

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 Benton

Before you commit to a personal loan in Benton, work through these steps:

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