Clinton at a glance
- Population: a Census-estimated 2,227, placing it 249th among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 2,218 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 0.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 249th in population of 605 places (US Census Bureau).
- Size percentile: roughly 59% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: 42.5575 / -88.8681, per the US Census Bureau Gazetteer.
- Nearest larger cities: Beloit, WI (8 mi); South Beloit, IL (10 mi); Janesville, WI (11 mi); Roscoe, IL (12 mi); Rockton, IL (13 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Sharon, WI (8 mi); Darien, WI (8 mi); Capron, IL (13 mi), each a US Census place.
What a personal loan costs in Clinton
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
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 Clinton
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 status | Legal 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 licensing | Licensed 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 regulator | Wisconsin 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 |
How to compare offers in Clinton
The steps below are worth completing first when you borrow in Clinton:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Wisconsin using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.