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Personal loans in Brodhead, WI

A personal loan in Brodhead is a fixed-term installment product, and the price a lender offers you is driven by your credit profile, income and existing debts. The Census puts Brodhead at about 3,212 residents, the 207th-largest of 605 places in Wisconsin. The rate caps and licensing requirements that apply to a lender in Wisconsin are set out in the sourced table below.

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

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Brodhead at a glance

  • Population: 3,212 — 207th in Wisconsin, which has 605 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 3,267 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: about 1.7% below the 2020 Census base (US Census Bureau).
  • Rank among Wisconsin places: 207th of 605 by population (US Census Bureau, Vintage 2023).
  • Size percentile: it is larger than about 66% of the places in Wisconsin (US Census Bureau).
  • Coordinates: mapped at 42.6168, -89.3756 by the US Census Bureau Gazetteer.
  • Nearest larger cities (120-mile radius): Evansville, WI (12 mi); Monroe, WI (13 mi); Janesville, WI (19 mi); Beloit, WI (19 mi); Rockton, IL (20 mi) (US Census Bureau).
  • Nearest smaller communities: Orfordville, WI (6 mi); Albany, WI (7 mi); Footville, WI (9 mi) (Census populations).

What a personal loan costs in Brodhead

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

Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.

Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.

A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.

Wisconsin lending rules that apply in Brodhead

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 Brodhead

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

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