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Personal loans in Dallas, WI

Borrowers in Dallas use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. With roughly 353 people, Dallas ranks 526th of 605 Census places in Wisconsin. The table below carries the Wisconsin rate caps and licensing rules that apply to a personal loan taken out here.

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

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Dallas at a glance

  • Population: roughly 353 people; 526th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: the 2020 Census recorded 358 residents here (US Census Bureau).
  • 2020 to 2023 change: about 1.4% below the 2020 Census base (US Census Bureau).
  • Rank among Wisconsin places: 526th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: about 13% of Wisconsin's Census places are smaller (US Census Bureau).
  • Coordinates: it sits at 45.2582, -91.8146 in the US Census Bureau Gazetteer.
  • Nearest larger cities: Prairie Farm, WI (8 mi); Chetek, WI (9 mi); Barron, WI (10 mi); Cameron, WI (11 mi); New Auburn, WI (13 mi); each population is a US Census Bureau estimate.
  • Smaller places nearby: Ridgeland, WI (6 mi); Wheeler, WI (15 mi); Downing, WI (21 mi), per US Census Bureau estimates.

What a personal loan costs in Dallas

Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.

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.

A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.

If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.

Wisconsin lending rules that apply in Dallas

Read the table as the compliance picture for a lender serving Dallas: label, sourced figure, publisher and date.

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 Dallas

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

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