Kenosha at a glance
- Population: 98,211 residents, the 4th-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- 2020 Census base: 99,983 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 1.8% lower than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 4th by size among 605 communities (US Census Bureau).
- Size percentile: about 99% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 42.5875, -87.8800 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Milwaukee, WI (33 mi); Elgin, IL (44 mi); Chicago, IL (53 mi); Naperville, IL (60 mi); Aurora, IL (61 mi) (US Census Bureau).
- Smaller places close by: Somers, WI (4 mi); Pleasant Prairie, WI (4 mi); Bristol, WI (8 mi) (US Census Bureau).
What a personal loan costs in Kenosha
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Kenosha
Read the table as the compliance picture for a lender serving Kenosha: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Wisconsin 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 status | Legal 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 licensing | Licensed 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 Kenosha
Before you share your details with a lender in Kenosha:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Wisconsin using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.