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Personal loans in Patch Grove, WI

For a borrower in Patch Grove, a personal loan is a sum repaid in equal monthly installments, priced mainly from your credit profile, income and debt load. Census estimates count about 199 residents in Patch Grove, making it the 575th-largest of 605 places in Wisconsin. Rate caps and licensing for consumer lenders in Wisconsin come from state law, and the sourced rows below set them out.

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

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Patch Grove at a glance

  • Population: about 199, 575th by size in Wisconsin of 605 places (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 200 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: a decline of roughly 0.5% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Wisconsin places: 575th by size among 605 communities (US Census Bureau).
  • Size percentile: roughly 5% of places in Wisconsin rank below it by population (US Census Bureau).
  • Coordinates: 42.9403 / -90.9723, per the US Census Bureau Gazetteer.
  • Nearest larger cities: Bloomington, WI (4 mi); Mount Hope, WI (6 mi); Bagley, WI (7 mi); Wauzeka, WI (11 mi); Prairie du Chien, WI (11 mi) — straight-line distances, US Census Bureau populations.
  • Nearest smaller towns: Clayton, IA (9 mi); Woodman, WI (14 mi); Osterdock, IA (17 mi) (US Census Bureau).

What a personal loan costs in Patch Grove

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.

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

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 Patch Grove

Read the table as the compliance picture for a lender serving Patch Grove: label, sourced figure, publisher and date.

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 Patch Grove

The order below is a sensible way to approach a loan in Patch Grove:

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