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Personal loans in Lone Rock, WI

Taking out a personal loan in Lone Rock means a fixed monthly payment for a set term, and the APR you are quoted rests on your credit, income and debts. At about 827 residents, Lone Rock is the 394th-largest of the 605 Census places in Wisconsin. Every lender serving Wisconsin must observe the state's rate caps and licensing rules, shown with their sources below.

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

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Lone Rock at a glance

  • Population: about 827, 394th by size in Wisconsin of 605 places (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 838 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: population fell about 1.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Wisconsin places: 394th of 605 by population (US Census Bureau, Vintage 2023).
  • Size percentile: larger than about 35% of the Census places in Wisconsin (US Census Bureau).
  • Coordinates: 43.1857 latitude, -90.2013 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities: Spring Green, WI (7 mi); Muscoda, WI (12 mi); Highland, WI (13 mi); Richland Center, WI (14 mi); Arena, WI (15 mi) (Census populations, approximate straight-line distance).
  • Nearest smaller communities: Avoca, WI (6 mi); Plain, WI (10 mi); Cobb, WI (16 mi) (Census populations).

What a personal loan costs in Lone Rock

Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.

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

Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.

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 Lone Rock

The Wisconsin rate caps and licensing rules that reach Lone Rock are listed below, each with its source and retrieval date.

RuleDetailSource
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
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

How to compare offers in Lone Rock

The order below is a sensible way to approach a loan in Lone Rock:

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