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Personal loans in Kaukauna, WI

In Kaukauna, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. At about 17,493 residents, Kaukauna is the 49th-largest of the 605 Census places in Wisconsin. Wisconsin's rate ceilings and lender-licensing requirements appear below, each with the publisher and date behind it.

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

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Kaukauna at a glance

  • Population: a Census-estimated 17,493, placing it 49th among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
  • 2020 Census base: 17,089 residents (US Census Bureau, 2020 Census).
  • 2020 to 2023 change: roughly 2.4% higher than at the 2020 Census (US Census Bureau).
  • Rank among Wisconsin places: the 49th-largest of 605 (US Census Bureau, 2023 estimate).
  • Size percentile: it is larger than about 92% of the places in Wisconsin (US Census Bureau).
  • Coordinates: it sits at 44.2777, -88.2651 in the US Census Bureau Gazetteer.
  • Nearest larger cities: Appleton, WI (6 mi); Menasha, WI (9 mi); Fox Crossing, WI (11 mi); Neenah, WI (13 mi); De Pere, WI (14 mi) — straight-line distances, US Census Bureau populations.
  • Nearest smaller towns: Combined Locks, WI (2 mi); Little Chute, WI (3 mi); Kimberly, WI (4 mi) — US Census Bureau populations.

What a personal loan costs in Kaukauna

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.

Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total 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.

A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.

Wisconsin lending rules that apply in Kaukauna

The Wisconsin rate caps and licensing rules that reach Kaukauna are listed below, each with its source and retrieval date.

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 Kaukauna

The order below is a sensible way to approach a loan in Kaukauna:

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