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Personal loans in Coleman, WI

Borrowers in Coleman use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. Coleman has a Census-estimated population of 723, ranking 417th among the 605 Census places in Wisconsin. The table below carries the Wisconsin rate caps and licensing rules that apply to a personal loan taken out here.

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

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Coleman at a glance

  • Population: about 723 residents, ranking 417th of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
  • 2020 Census base: 728 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: a loss of about 0.7% since the 2020 count (US Census Bureau).
  • Rank among Wisconsin places: 417th in population of 605 places (US Census Bureau).
  • Size percentile: about 31% of Wisconsin's Census places are smaller (US Census Bureau).
  • Coordinates: 45.0670 / -88.0357, per the US Census Bureau Gazetteer.
  • Nearest larger cities: Crivitz, WI (12 mi); Peshtigo, WI (14 mi); Oconto, WI (15 mi); Oconto Falls, WI (15 mi); Gillett, WI (18 mi); US Census Bureau population estimates.
  • Nearest smaller communities: Pound, WI (2 mi); Lena, WI (8 mi); Suring, WI (17 mi) (Census populations).

What a personal loan costs in Coleman

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

Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.

Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.

Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.

Wisconsin lending rules that apply in Coleman

The sourced rows below are the rules a licensed lender must follow when lending in Wisconsin, and therefore in Coleman.

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 Coleman

These steps are the ones that most affect the offer you receive in Coleman:

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