Medford at a glance
- Population: 4,406 people, the 163rd-largest place among Wisconsin's 605 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,344 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up roughly 1.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Wisconsin places: 163rd of the state's 605 Census places (US Census Bureau).
- Size percentile: roughly 73% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: latitude 45.1354, longitude -90.3435 (US Census Bureau Gazetteer).
- Nearest larger cities: Merrill, WI (31 mi); Marshfield, WI (34 mi); Wausau, WI (36 mi); Rothschild, WI (40 mi); Mosinee, WI (40 mi), each a US Census place with its estimated population.
- Smaller places nearby: Stetsonville, WI (4 mi); Dorchester, WI (9 mi); Abbotsford, WI (13 mi), per US Census Bureau estimates.
What a personal loan costs in Medford
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Medford
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Medford.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Wisconsin 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 status | Legal 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 licensing | Licensed 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 Medford
Here is a short checklist for comparing personal loans in Medford:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Wisconsin using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.