Personalloaned Compare rates

WI · city page

Personal loans in Eland, WI

Taking out a personal loan in Eland means a fixed monthly payment for a set term, and the APR you are quoted rests on your credit, income and debts. Eland is home to about 197 people and ranks 576th 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

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.

Eland at a glance

  • Population: a Census-estimated 197, placing it 576th among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
  • 2020 Census base: the 2020 count put the population at 197 (US Census Bureau).
  • 2020 to 2023 change: about the same as at the 2020 Census (US Census Bureau).
  • Rank among Wisconsin places: 576th by size among 605 communities (US Census Bureau).
  • Size percentile: ahead of around 5% of Wisconsin places in population terms (US Census Bureau).
  • Coordinates: latitude 44.8669, longitude -89.2090 (US Census Bureau Gazetteer).
  • Nearest larger cities within 120 miles: Wittenberg, WI (3 mi); Birnamwood, WI (4 mi); Hatley, WI (6 mi); Aniwa, WI (10 mi); Bowler, WI (11 mi) (US Census Bureau).
  • Nearest smaller communities: Elderon, WI (6 mi); Big Falls, WI (20 mi); Nelsonville, WI (26 mi), each a US Census place.

What a personal loan costs in Eland

A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.

Compare every quote on APR because it includes the fees the interest rate hides, and check the payment 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.

If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.

Wisconsin lending rules that apply in Eland

The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Eland.

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 Eland

Before you share your details with a lender in Eland:

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

Related