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Personal loans in Lublin, WI

For residents of Lublin, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. Census data place Lublin's population near 115, the 593rd-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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Lublin at a glance

  • Population: a Census-estimated 115, placing it 593rd among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
  • 2020 Census base: 116 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: a loss of about 0.9% since the 2020 count (US Census Bureau).
  • Rank among Wisconsin places: 593rd of the state's 605 Census places (US Census Bureau).
  • Size percentile: it exceeds roughly 2% of Wisconsin's Census places by population (US Census Bureau).
  • Coordinates: 45.0749, -90.7238 (US Census Bureau Gazetteer).
  • Nearest larger cities within 120 miles: Gilman, WI (8 mi); Thorp, WI (9 mi); Withee, WI (11 mi); Owen, WI (12 mi); Stanley, WI (13 mi) (US Census Bureau).
  • Nearest smaller towns: Conrath, WI (26 mi); Ingram, WI (30 mi); Glen Flora, WI (30 mi) — US Census Bureau populations.

What a personal loan costs in Lublin

With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.

Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.

Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.

Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.

Wisconsin lending rules that apply in Lublin

The table lists the Wisconsin rules that apply to a loan made in Lublin, 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 Lublin

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

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