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Personal loans in Stevens Point, WI

In Stevens Point, a personal loan turns a one-time expense into predictable monthly payments, and the rate you get depends on your credit, income and debts. Stevens Point has a Census-estimated population of 25,752, ranking 31st among the 605 Census 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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Stevens Point at a glance

  • Population: 25,752 residents, the 31st-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
  • 2020 Census base: 25,676 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: population rose about 0.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Wisconsin places: 31st-largest of 605 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: ahead of around 95% of Wisconsin places in population terms (US Census Bureau).
  • Coordinates: latitude 44.5253, longitude -89.5504 (US Census Bureau Gazetteer).
  • Nearest larger cities within 120 miles: Wausau, WI (31 mi); Neenah, WI (58 mi); Appleton, WI (60 mi); Oshkosh, WI (60 mi); Fond du Lac, WI (76 mi) (US Census Bureau).
  • Nearest smaller towns: Park Ridge, WI (0 mi); Whiting, WI (2 mi); Plover, WI (4 mi) — US Census Bureau populations.

What a personal loan costs in Stevens Point

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.

Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.

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 Stevens Point

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 Stevens Point

The order below is a sensible way to approach a loan in Stevens Point:

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