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Personal loans in Rochester, WI

In Rochester, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. Rochester is home to about 3,776 people and ranks 180th among the 605 Census places in Wisconsin. The sourced table below shows the Wisconsin rate caps and licensing requirements that reach every loan made here.

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

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Rochester at a glance

  • Population: about 3,776, 180th by size in Wisconsin of 605 places (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 3,787 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
  • 2020 to 2023 change: a decline of roughly 0.3% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Wisconsin places: 180th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: it exceeds roughly 70% of Wisconsin's Census places by population (US Census Bureau).
  • Coordinates: latitude 42.7329, longitude -88.2503 (US Census Bureau Gazetteer).
  • Nearest larger cities within 120 miles: Waterford, WI (3 mi); Burlington, WI (4 mi); East Troy, WI (8 mi); Mukwonago, WI (9 mi); Vernon, WI (10 mi) (US Census Bureau).
  • Smaller places nearby: Big Bend, WI (11 mi); Yorkville, WI (13 mi); Paddock Lake, WI (13 mi), per US Census Bureau estimates.

What a personal loan costs in Rochester

Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.

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.

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 Rochester

Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.

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 Rochester

Before you commit to a personal loan in Rochester, work through these steps:

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