Walworth at a glance
- Population: 2,803 people, the 220th-largest place among Wisconsin's 605 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,765 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: an increase of about 1.4% since the 2020 count (US Census Bureau).
- Rank among Wisconsin places: 220th largest of 605 (US Census Bureau).
- Size percentile: larger than about 64% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: mapped at 42.5305, -88.5939 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Williams Bay, WI (4 mi); Harvard, IL (7 mi); Delavan, WI (7 mi); Lake Geneva, WI (9 mi); Elkhorn, WI (10 mi) (US Census Bureau).
- Smaller places close by: Fontana-on-Geneva Lake, WI (2 mi); Sharon, WI (7 mi); Darien, WI (8 mi) (US Census Bureau).
What a personal loan costs in Walworth
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Wisconsin lending rules that apply in Walworth
The table lists the Wisconsin rules that apply to a loan made in Walworth, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Wisconsin 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 status | Legal 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 licensing | Licensed 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 |
How to compare offers in Walworth
Run through this list before signing anything in Walworth:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Wisconsin using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.