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Personal loans in Stockholm, WI

For residents of Stockholm, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. The Census puts Stockholm at about 78 residents, the 602nd-largest of 605 places in Wisconsin. Every lender serving Wisconsin must observe the state's rate caps and licensing rules, shown with their sources below.

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

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Stockholm at a glance

  • Population: the Census estimates 78 residents, ranking 602nd of 605 places in Wisconsin (Vintage 2023).
  • 2020 Census base: 75 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
  • 2020 to 2023 change: an increase of about 4.0% since the 2020 count (US Census Bureau).
  • Rank among Wisconsin places: 602nd by size among 605 communities (US Census Bureau).
  • Size percentile: about 0% of Wisconsin's Census places are smaller (US Census Bureau).
  • Coordinates: 44.4910 latitude, -92.2721 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities: Lake City, MN (3 mi); Maiden Rock, WI (6 mi); Pepin, WI (7 mi); Plum City, WI (11 mi); Bay City, WI (11 mi) — straight-line distances, US Census Bureau populations.
  • Nearest smaller communities: Sargeant, MN (54 mi); Whalan, MN (55 mi); Taopi, MN (67 mi), each a US Census place.

What a personal loan costs in Stockholm

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.

The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.

Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.

A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.

Wisconsin lending rules that apply in Stockholm

The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Stockholm.

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 Stockholm

The steps below are worth completing first when you borrow in Stockholm:

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