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Personal loans in Genoa, WI

A personal loan in Genoa is repaid in equal monthly installments over a fixed term, with the rate set from your credit history, income and debts. Genoa has a Census-estimated population of 233, ranking 564th among the 605 Census places in Wisconsin. Wisconsin sets the rate caps and licensing rules a lender must follow here, and the sourced table below lists them.

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

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Genoa at a glance

  • Population: 233, the 564th-largest community in Wisconsin out of 605 (US Census Bureau, Vintage 2023).
  • 2020 Census base: 236 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: a decline of roughly 1.3% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Wisconsin places: 564th of 605 by population (US Census Bureau, Vintage 2023).
  • Size percentile: about 7% of Wisconsin's Census places are smaller (US Census Bureau).
  • Coordinates: latitude 43.5733, longitude -91.2261 (US Census Bureau Gazetteer).
  • Nearest larger cities: New Albin, IA (6 mi); Stoddard, WI (6 mi); Chaseburg, WI (9 mi); Brownsville, MN (9 mi); De Soto, WI (10 mi) (Census populations, approximate straight-line distance).
  • Smaller towns nearby: Ferryville, WI (17 mi); Mount Sterling, WI (23 mi); Lynxville, WI (24 mi) (US Census Bureau).

What a personal loan costs in Genoa

A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.

Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.

Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.

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 Genoa

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

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 Genoa

The steps below are worth completing first when you borrow in Genoa:

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