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Personal loans in Union Grove, WI

In Union Grove, 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. Union Grove is home to about 5,152 people and ranks 151st 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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Union Grove at a glance

  • Population: about 5,152, 151st by size in Wisconsin of 605 places (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: the 2020 Census recorded 4,804 residents here (US Census Bureau).
  • 2020 to 2023 change: a gain of roughly 7.2% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Wisconsin places: 151st in population of 605 places (US Census Bureau).
  • Size percentile: about 75% of Wisconsin's Census places are smaller (US Census Bureau).
  • Coordinates: 42.6864 / -88.0495, per the US Census Bureau Gazetteer.
  • Nearest larger cities (within 120 miles): Sturtevant, WI (8 mi); Mount Pleasant, WI (9 mi); Somers, WI (9 mi); Waterford, WI (10 mi); Bristol, WI (11 mi) (US Census Bureau populations).
  • Smaller places close by: Yorkville, WI (3 mi); Raymond, WI (8 mi); Paddock Lake, WI (9 mi) (US Census Bureau).

What a personal loan costs in Union Grove

Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.

APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.

A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.

Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.

Wisconsin lending rules that apply in Union Grove

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

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 Union Grove

Before you share your details with a lender in Union Grove:

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