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Personal loans in Cambria, WI

For residents of Cambria, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. The Census counts about 766 residents in Cambria, ranking it 406th among the 605 places in Wisconsin. Rate caps and licensing for consumer lenders in Wisconsin come from state law, and the sourced rows below set them out.

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

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Cambria at a glance

  • Population: about 766, 406th by size in Wisconsin of 605 places (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 773 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: a decline of roughly 0.9% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Wisconsin places: 406th by size among 605 communities (US Census Bureau).
  • Size percentile: it is larger than about 33% of the places in Wisconsin (US Census Bureau).
  • Coordinates: 43.5414, -89.1115 (Census Gazetteer, US Census Bureau).
  • Nearest larger cities (120-mile radius): Randolph, WI (5 mi); Rio, WI (9 mi); Pardeeville, WI (10 mi); Fox Lake, WI (10 mi); Fall River, WI (11 mi) (US Census Bureau).
  • Nearest smaller communities: Friesland, WI (4 mi); Doylestown, WI (8 mi); Wyocena, WI (10 mi), each a US Census place.

What a personal loan costs in Cambria

The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.

Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.

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.

Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.

Wisconsin lending rules that apply in Cambria

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

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 Cambria

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

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