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Personal loans in Oshkosh, WI

A personal loan in Oshkosh is an unsecured installment loan for consolidation or a planned expense, and what it costs follows your credit, income and debts. The Census counts about 66,184 residents in Oshkosh, ranking it 9th among the 605 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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Oshkosh at a glance

  • Population: 66,184 people, the 9th-largest place among Wisconsin's 605 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 66,801 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: population fell about 0.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Wisconsin places: 9th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: about 99% of Wisconsin's Census places are smaller (US Census Bureau).
  • Coordinates: the Census Gazetteer places it at 44.0232, -88.5623.
  • Nearest larger cities (120-mile radius): Appleton, WI (20 mi); Green Bay, WI (45 mi); Waukesha, WI (72 mi); Milwaukee, WI (73 mi); Madison, WI (78 mi) (US Census Bureau).
  • Nearest smaller towns: Omro, WI (9 mi); Winneconne, WI (10 mi); Neenah, WI (11 mi) (US Census Bureau).

What a personal loan costs in Oshkosh

Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.

Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.

Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.

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 Oshkosh

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

RuleDetailSource
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
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

How to compare offers in Oshkosh

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

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