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Personal loans in Steuben, WI

In Steuben, a personal loan turns a one-time expense into predictable monthly payments, and the rate you get depends on your credit, income and debts. Steuben is home to about 122 people and ranks 590th among the 605 Census places in Wisconsin. The rate caps and licensing requirements that apply to a lender in Wisconsin are set out in the sourced table below.

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

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Steuben at a glance

  • Population: a Census-estimated 122, placing it 590th among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
  • 2020 Census base: 122 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: stable between the 2020 base and the 2023 estimate (US Census Bureau).
  • Rank among Wisconsin places: 590th in population of 605 places (US Census Bureau).
  • Size percentile: it exceeds roughly 2% of Wisconsin's Census places by population (US Census Bureau).
  • Coordinates: the Census Gazetteer places it at 43.1834, -90.8569.
  • Nearest larger cities within 120 miles: Wauzeka, WI (7 mi); Boscobel, WI (8 mi); Eastman, WI (9 mi); Mount Sterling, WI (10 mi); Gays Mills, WI (10 mi) (US Census Bureau).
  • Smaller towns nearby: Woodman, WI (7 mi); Bell Center, WI (8 mi); Waterville, IA (22 mi) (US Census Bureau).

What a personal loan costs in Steuben

A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.

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.

Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.

Wisconsin lending rules that apply in Steuben

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

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 Steuben

Before you share your details with a lender in Steuben:

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