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Personal loans in Hudson, WI

Borrowers in Hudson use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. Census data place Hudson's population near 15,473, the 60th-largest among Wisconsin's 605 Census places. The sourced table below lists the Wisconsin rate caps and licensing rules a lender must follow on a loan made here.

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

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Hudson at a glance

  • Population: a Census-estimated 15,473, placing it 60th among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
  • 2020 Census base: the 2020 count put the population at 14,749 (US Census Bureau).
  • 2020 to 2023 change: an increase of about 4.9% since the 2020 count (US Census Bureau).
  • Rank among Wisconsin places: 60th by size among 605 communities (US Census Bureau).
  • Size percentile: about 90% of Wisconsin's Census places are smaller (US Census Bureau).
  • Coordinates: 44.9639, -92.7303 (US Census Bureau Gazetteer).
  • Nearest larger cities (120-mile radius): Stillwater, MN (8 mi); River Falls, WI (9 mi); Woodbury, MN (10 mi); Oakdale, MN (12 mi); Cottage Grove, MN (14 mi) (US Census Bureau).
  • Smaller towns nearby: Lakeland Shores, MN (2 mi); Lakeland, MN (2 mi); North Hudson, WI (3 mi) (US Census Bureau).

What a personal loan costs in Hudson

The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.

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.

A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.

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 Hudson

The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Hudson.

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 Hudson

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

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