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Personal loans in Hilbert, WI

Borrowers in Hilbert use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. Hilbert is home to about 1,211 people and ranks 335th among the 605 Census places in Wisconsin. Rate caps and licensing for consumer lenders in Wisconsin come from state law, and the sourced rows below set them out.

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

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Hilbert at a glance

  • Population: about 1,211 residents, ranking 335th of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
  • 2020 Census base: 1,246 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
  • 2020 to 2023 change: roughly 2.8% fewer residents than at the 2020 Census (US Census Bureau).
  • Rank among Wisconsin places: 335th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: roughly 45% of Wisconsin's places have fewer residents (US Census Bureau).
  • Coordinates: 44.1415 / -88.1611, per the US Census Bureau Gazetteer.
  • Nearest larger cities: Brillion, WI (5 mi); Sherwood, WI (6 mi); Harrison, WI (7 mi); Chilton, WI (8 mi); Kaukauna, WI (11 mi); each population is a US Census Bureau estimate.
  • Smaller towns nearby: Potter, WI (3 mi); Stockbridge, WI (9 mi); Reedsville, WI (10 mi) (US Census Bureau).

What a personal loan costs in Hilbert

With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.

APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.

A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.

Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.

Wisconsin lending rules that apply in Hilbert

The table lists the Wisconsin rules that apply to a loan made in Hilbert, 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 Hilbert

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

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