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Personal loans in St. Nazianz, WI

In St. Nazianz, 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. Census estimates count about 718 residents in St. Nazianz, making it the 420th-largest of 605 places in Wisconsin. Wisconsin law sets the rate ceilings and the licensing a lender must hold, and the table below lists each sourced figure.

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

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St. Nazianz at a glance

  • Population: 718 — 420th in Wisconsin, which has 605 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 714 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: an increase of about 0.6% since the 2020 count (US Census Bureau).
  • Rank among Wisconsin places: 420th out of 605 Census places (US Census Bureau).
  • Size percentile: it is larger than about 31% of the places in Wisconsin (US Census Bureau).
  • Coordinates: 44.0073, -87.9248 (Census Gazetteer, US Census Bureau).
  • Nearest larger cities: Valders, WI (5 mi); Kiel, WI (8 mi); New Holstein, WI (9 mi); Reedsville, WI (10 mi); Cleveland, WI (11 mi); each population is a US Census Bureau estimate.
  • Smaller places close by: Potter, WI (12 mi); Glenbeulah, WI (16 mi); Kellnersville, WI (16 mi) (US Census Bureau).

What a personal loan costs in St. Nazianz

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.

Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.

A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.

A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.

Wisconsin lending rules that apply in St. Nazianz

Where a figure is not published by the state, the row points to the source instead of guessing.

RuleDetailSource
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
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

How to compare offers in St. Nazianz

Before you commit to a personal loan in St. Nazianz, 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 St. Nazianz?
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 St. Nazianz are the same as elsewhere in Wisconsin.
How much can I borrow with a personal loan in St. Nazianz?
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 St. Nazianz 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 St. Nazianz 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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