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Personal loans in Wilson, WI

For residents of Wilson, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. Wilson's Census population of roughly 205 makes it the 573rd-largest of 605 places in Wisconsin. The sourced table below lists the Wisconsin rate caps and licensing rules a lender must follow on a loan made here.

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

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Wilson at a glance

  • Population: about 205 residents, ranking 573rd of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
  • 2020 Census base: 209 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: about 1.9% below the 2020 Census base (US Census Bureau).
  • Rank among Wisconsin places: 573rd largest of 605 (US Census Bureau).
  • Size percentile: ahead of around 5% of Wisconsin places in population terms (US Census Bureau).
  • Coordinates: 44.9586 latitude, -92.1705 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities: Knapp, WI (4 mi); Woodville, WI (6 mi); Glenwood City, WI (6 mi); Downing, WI (7 mi); Spring Valley, WI (8 mi) — straight-line distances, US Census Bureau populations.
  • Smaller places nearby: Maiden Rock, WI (28 mi); Stockholm, WI (33 mi); Miesville, MN (40 mi), per US Census Bureau estimates.

What a personal loan costs in Wilson

The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.

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.

Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.

Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.

Wisconsin lending rules that apply in Wilson

The Wisconsin rate caps and licensing rules that reach Wilson are listed below, each with its source and retrieval date.

RuleDetailSource
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
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

How to compare offers in Wilson

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

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