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Personal loans in Ellsworth, WI

For a borrower in Ellsworth, a personal loan is a sum repaid in equal monthly installments, priced mainly from your credit profile, income and debt load. Census data place Ellsworth's population near 3,298, the 199th-largest among Wisconsin's 605 Census places. 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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Ellsworth at a glance

  • Population: 3,298 people, the 199th-largest place among Wisconsin's 605 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 3,347 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: population fell about 1.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Wisconsin places: 199th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: roughly 67% of Wisconsin's places have fewer residents (US Census Bureau).
  • Coordinates: it sits at 44.7362, -92.4802 in the US Census Bureau Gazetteer.
  • Nearest larger cities: River Falls, WI (11 mi); Red Wing, MN (12 mi); Prescott, WI (15 mi); Baldwin, WI (16 mi); Hastings, MN (18 mi) (Census populations, approximate straight-line distance).
  • Nearest smaller places: Bay City, WI (10 mi); Spring Valley, WI (14 mi); Maiden Rock, WI (14 mi) (US Census Bureau estimates).

What a personal loan costs in Ellsworth

Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.

The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.

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

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 Ellsworth

The Wisconsin rate caps and licensing rules that reach Ellsworth are listed below, each with its source and retrieval 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 Ellsworth

These steps are the ones that most affect the offer you receive in Ellsworth:

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