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Personal loans in Kingston, WI

For residents of Kingston, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. The Census counts about 284 residents in Kingston, ranking it 549th among the 605 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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Kingston at a glance

  • Population: 284, the 549th-largest community in Wisconsin out of 605 (US Census Bureau, Vintage 2023).
  • 2020 Census base: 283 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: about 0.4% growth over the 2020 Census base (US Census Bureau).
  • Rank among Wisconsin places: 549th of 605 by population (US Census Bureau, Vintage 2023).
  • Size percentile: about 9% of Wisconsin's Census places are smaller (US Census Bureau).
  • Coordinates: it sits at 43.6933, -89.1315 in the US Census Bureau Gazetteer.
  • Nearest larger cities (120-mile radius): Markesan, WI (7 mi); Friesland, WI (8 mi); Cambria, WI (11 mi); Princeton, WI (11 mi); Montello, WI (12 mi) (US Census Bureau).
  • Smaller places nearby: Marquette, WI (4 mi); Doylestown, WI (18 mi); Lac La Belle, WI (49 mi), per US Census Bureau estimates.

What a personal loan costs in Kingston

A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.

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.

A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.

A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.

Wisconsin lending rules that apply in Kingston

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

RuleDetailSource
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
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

How to compare offers in Kingston

These steps are the ones that most affect the offer you receive in Kingston:

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