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Personal loans in Iron Ridge, WI

Taking out a personal loan in Iron Ridge means a fixed monthly payment for a set term, and the APR you are quoted rests on your credit, income and debts. Iron Ridge is home to about 912 people and ranks 380th 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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Iron Ridge at a glance

  • Population: about 912 residents, ranking 380th of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
  • 2020 Census base: 905 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
  • 2020 to 2023 change: up roughly 0.8% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Wisconsin places: 380th out of 605 Census places (US Census Bureau).
  • Size percentile: it is larger than about 37% of the places in Wisconsin (US Census Bureau).
  • Coordinates: it sits at 43.3981, -88.5319 in the US Census Bureau Gazetteer.
  • Nearest larger cities: Hustisford, WI (5 mi); Horicon, WI (6 mi); Mayville, WI (7 mi); Juneau, WI (9 mi); Theresa, WI (9 mi) — straight-line distances, US Census Bureau populations.
  • Nearest smaller towns: Neosho, WI (6 mi); Kekoskee, WI (8 mi); Clyman, WI (11 mi) — US Census Bureau populations.

What a personal loan costs in Iron Ridge

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

The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.

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

Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.

Wisconsin lending rules that apply in Iron Ridge

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

Before you commit to a personal loan in Iron Ridge, work through these steps:

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