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Personal loans in Sullivan, WI

Taking out a personal loan in Sullivan means a fixed monthly payment for a set term, and the APR you are quoted rests on your credit, income and debts. Sullivan's Census population of roughly 642 makes it the 442nd-largest of 605 places in Wisconsin. Lenders in Wisconsin work under state rate caps and licensing rules, each listed with its publisher in the table below.

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

Compare rates Run the numbers first

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Sullivan at a glance

  • Population: 642, the 442nd-largest community in Wisconsin out of 605 (US Census Bureau, Vintage 2023).
  • 2020 Census base: 651 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: a decline of roughly 1.4% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Wisconsin places: 442nd in population of 605 places (US Census Bureau).
  • Size percentile: it is larger than about 27% of the places in Wisconsin (US Census Bureau).
  • Coordinates: it sits at 43.0123, -88.5953 in the US Census Bureau Gazetteer.
  • Nearest larger cities (within 120 miles): Dousman, WI (6 mi); Summit, WI (6 mi); Oconomowoc, WI (8 mi); Palmyra, WI (9 mi); Johnson Creek, WI (10 mi) (US Census Bureau populations).
  • Nearest smaller places: Oconomowoc Lake, WI (10 mi); Lac La Belle, WI (10 mi); Chenequa, WI (13 mi) (US Census Bureau estimates).

What a personal loan costs in Sullivan

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

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.

A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.

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 Sullivan

The table lists the Wisconsin rules that apply to a loan made in Sullivan, each with the regulator that published it.

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 Sullivan

Here is a short checklist for comparing personal loans in Sullivan:

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