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Personal loans in Ettrick, WI

In Ettrick, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. Ettrick has a Census-estimated population of 521, ranking 473rd among the 605 Census places in Wisconsin. The sourced table below shows the Wisconsin rate caps and licensing requirements that reach every loan made here.

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

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Ettrick at a glance

  • Population: a Census-estimated 521, placing it 473rd among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
  • 2020 Census base: 528 residents (US Census Bureau, 2020 Census).
  • 2020 to 2023 change: about 1.3% lower than the 2020 Census base (US Census Bureau).
  • Rank among Wisconsin places: 473rd by size among 605 communities (US Census Bureau).
  • Size percentile: about 22% of places in Wisconsin are smaller (US Census Bureau).
  • Coordinates: 44.1696 / -91.2650, per the US Census Bureau Gazetteer.
  • Nearest larger cities: Galesville, WI (7 mi); Blair, WI (11 mi); Independence, WI (12 mi); Arcadia, WI (12 mi); Melrose, WI (14 mi) — straight-line distances, US Census Bureau populations.
  • Nearest smaller towns: Taylor, WI (13 mi); Pigeon Falls, WI (18 mi); Dakota, MN (18 mi) — US Census Bureau populations.

What a personal loan costs in Ettrick

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

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

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.

Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.

Wisconsin lending rules that apply in Ettrick

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

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 Ettrick

The order below is a sensible way to approach a loan in Ettrick:

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