Bloomington at a glance
- Population: a Census-estimated 740, placing it 411th among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 742 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 0.3% below the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 411th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 32% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: 42.8931, -90.9265 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Lancaster, WI (12 mi); Guttenberg, IA (12 mi); Cassville, WI (13 mi); Prairie du Chien, WI (15 mi); Fennimore, WI (15 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Patch Grove, WI (4 mi); Mount Hope, WI (6 mi); Bagley, WI (9 mi) (US Census Bureau).
What a personal loan costs in Bloomington
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Wisconsin lending rules that apply in Bloomington
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Bloomington.
| 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 Bloomington
Before you commit to a personal loan in Bloomington, work through these steps:
- 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.