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Personal loans in Manawa, WI

A personal loan in Manawa is repaid in equal monthly installments over a fixed term, with the rate set from your credit history, income and debts. Manawa is home to about 1,405 people and ranks 318th among the 605 Census 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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Manawa at a glance

  • Population: roughly 1,405 people; 318th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 1,444 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: roughly 2.7% fewer residents than at the 2020 Census (US Census Bureau).
  • Rank among Wisconsin places: 318th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: larger than about 47% of the Census places in Wisconsin (US Census Bureau).
  • Coordinates: it sits at 44.4615, -88.9205 in the US Census Bureau Gazetteer.
  • Nearest larger cities: Weyauwega, WI (10 mi); New London, WI (10 mi); Waupaca, WI (11 mi); Clintonville, WI (14 mi); Hortonville, WI (16 mi); each population is a US Census Bureau estimate.
  • Smaller places nearby: Ogdensburg, WI (5 mi); Iola, WI (10 mi); Bear Creek, WI (11 mi), per US Census Bureau estimates.

What a personal loan costs in Manawa

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.

Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.

Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.

Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.

Wisconsin lending rules that apply in Manawa

Each row below is a Wisconsin rule with its publisher and the date it was retrieved.

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 Manawa

A few practical steps will make the process in Manawa less costly:

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