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Personal loans in Francis Creek, WI

For residents of Francis Creek, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. Francis Creek is home to about 664 people and ranks 434th among the 605 Census places in Wisconsin. Wisconsin law sets the rate ceilings and the licensing a lender must hold, and the table below lists each sourced figure.

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

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Francis Creek at a glance

  • Population: 664, the 434th-largest community in Wisconsin out of 605 (US Census Bureau, Vintage 2023).
  • 2020 Census base: 657 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: an increase of about 1.1% since the 2020 count (US Census Bureau).
  • Rank among Wisconsin places: 434th largest of 605 (US Census Bureau).
  • Size percentile: roughly 28% of Wisconsin's places have fewer residents (US Census Bureau).
  • Coordinates: mapped at 44.2005, -87.7209 by the US Census Bureau Gazetteer.
  • Nearest larger cities: Mishicot, WI (4 mi); Whitelaw, WI (6 mi); Manitowoc, WI (7 mi); Two Rivers, WI (8 mi); Denmark, WI (12 mi) — straight-line distances, US Census Bureau populations.
  • Smaller places close by: Kellnersville, WI (4 mi); Maribel, WI (7 mi); Potter, WI (20 mi) (US Census Bureau).

What a personal loan costs in Francis Creek

A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.

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.

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.

Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.

Wisconsin lending rules that apply in Francis Creek

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

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 Francis Creek

Here is a short checklist for comparing personal loans in Francis Creek:

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