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Personal loans in Dane, WI

A personal loan in Dane is repaid in equal monthly installments over a fixed term, with the rate set from your credit history, income and debts. With roughly 1,088 people, Dane ranks 354th of 605 Census places in Wisconsin. The sourced table below lists the Wisconsin rate caps and licensing rules a lender must follow on a loan made here.

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

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Dane at a glance

  • Population: about 1,088 residents, ranking 354th of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
  • 2020 Census base: 1,118 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: about 2.7% lower than the 2020 Census base (US Census Bureau).
  • Rank among Wisconsin places: 354th by size among 605 communities (US Census Bureau).
  • Size percentile: larger than about 41% of the Census places in Wisconsin (US Census Bureau).
  • Coordinates: mapped at 43.2461, -89.4996 by the US Census Bureau Gazetteer.
  • Nearest larger cities (120-mile radius): Waunakee, WI (5 mi); Lodi, WI (5 mi); DeForest, WI (8 mi); Middleton, WI (10 mi); Windsor, WI (11 mi) (US Census Bureau).
  • Nearest smaller communities: Arlington, WI (9 mi); Merrimac, WI (11 mi); Wyocena, WI (20 mi), each a US Census place.

What a personal loan costs in Dane

Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.

The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.

Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.

Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.

Wisconsin lending rules that apply in Dane

The table lists the Wisconsin rules that apply to a loan made in Dane, each with the regulator that published it.

RuleDetailSource
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
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

How to compare offers in Dane

Before you commit to a personal loan in Dane, 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 Dane?
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 Dane are the same as elsewhere in Wisconsin.
How much can I borrow with a personal loan in Dane?
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 Dane 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 Dane 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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