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Personal loans in Fenwood, WI

For residents of Fenwood, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. With roughly 139 people, Fenwood ranks 586th of 605 Census places in Wisconsin. Every lender serving Wisconsin must observe the state's rate caps and licensing rules, shown with their sources below.

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

Compare rates Run the numbers first

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Fenwood at a glance

  • Population: 139 (US Census Bureau, Vintage 2023 subcounty estimate), the 586th-largest of 605 places in Wisconsin.
  • 2020 Census base: 141 residents (US Census Bureau, 2020 Census).
  • 2020 to 2023 change: population fell about 1.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Wisconsin places: 586th out of 605 Census places (US Census Bureau).
  • Size percentile: about 3% of Wisconsin's Census places are smaller (US Census Bureau).
  • Coordinates: 44.8658, -90.0146 (US Census Bureau Gazetteer).
  • Nearest larger cities (within 120 miles): Edgar, WI (5 mi); Stratford, WI (5 mi); Marathon City, WI (10 mi); Athens, WI (12 mi); Unity, WI (15 mi) (US Census Bureau populations).
  • Nearest smaller towns: Lublin, WI (38 mi); Big Falls, WI (52 mi); Catawba, WI (53 mi) — US Census Bureau populations.

What a personal loan costs in Fenwood

A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.

APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.

Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.

A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.

Wisconsin lending rules that apply in Fenwood

Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.

RuleDetailSource
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
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

How to compare offers in Fenwood

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