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Personal loans in Fremont, WI

For residents of Fremont, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. Fremont is home to about 681 people and ranks 430th 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

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Fremont at a glance

  • Population: a Census-estimated 681, placing it 430th among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
  • 2020 Census base: the 2020 count put the population at 692 (US Census Bureau).
  • 2020 to 2023 change: down about 1.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
  • Rank among Wisconsin places: the 430th-largest of 605 (US Census Bureau, 2023 estimate).
  • Size percentile: roughly 29% of places in Wisconsin rank below it by population (US Census Bureau).
  • Coordinates: it sits at 44.2599, -88.8701 in the US Census Bureau Gazetteer.
  • Nearest larger cities (120-mile radius): Weyauwega, WI (5 mi); New London, WI (11 mi); Waupaca, WI (12 mi); Hortonville, WI (13 mi); Winneconne, WI (13 mi) (US Census Bureau).
  • Nearest smaller towns: Ogdensburg, WI (16 mi); Scandinavia, WI (19 mi); Lohrville, WI (20 mi) (US Census Bureau).

What a personal loan costs in Fremont

A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.

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.

A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.

Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.

Wisconsin lending rules that apply in Fremont

The table lists the Wisconsin rules that apply to a loan made in Fremont, each with the regulator that published it.

RuleDetailSource
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
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

How to compare offers in Fremont

Run through this list before signing anything in Fremont:

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