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Personal loans in Lime Ridge, WI

Borrowers in Lime Ridge use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. Census estimates count about 155 residents in Lime Ridge, making it the 584th-largest of 605 places in Wisconsin. Lenders in Wisconsin work under state rate caps and licensing rules, each listed with its publisher in the table below.

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

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Lime Ridge at a glance

  • Population: about 155 residents, ranking 584th of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
  • 2020 Census base: 159 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: down roughly 2.5% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Wisconsin places: the 584th-largest of 605 (US Census Bureau, 2023 estimate).
  • Size percentile: it is larger than about 3% of the places in Wisconsin (US Census Bureau).
  • Coordinates: 43.4676 latitude, -90.1577 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities: Cazenovia, WI (5 mi); Ironton, WI (5 mi); Loganville, WI (6 mi); La Valle, WI (8 mi); Reedsburg, WI (9 mi) — straight-line distances, US Census Bureau populations.
  • Smaller towns nearby: Yuba, WI (14 mi); Boaz, WI (21 mi); Bell Center, WI (36 mi) (US Census Bureau).

What a personal loan costs in Lime Ridge

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

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 lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.

Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.

Wisconsin lending rules that apply in Lime Ridge

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

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 Lime Ridge

Before you share your details with a lender in Lime Ridge:

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