Personal loans in Adams, WI
The roughly 1,780 people who live in Adams borrow under Wisconsin rules; city hall sets no personal-loan rate. The Census counts 1,780 people in Adams, the 273rd-largest figure among Wisconsin's 605 places.
For a bigger market, look to Mauston, WI about 17 miles away. From the 2020 Census base to the 2023 estimate, the population rose by about 1.0%. To lend to Adams's 1,780 residents, a company must hold a Wisconsin licence, and each sourced row below names the regulator behind it. Price two or three terms so you can see which payment is truly affordable in Adams.
The Adams data picture
The figures below are Adams's own — Census population, land area and coordinates — followed by the Wisconsin rules.
- Population: a Census-estimated 1,780, 273rd among Wisconsin's 605 places (Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 1.0%.
- Net change: roughly 17 more people than the 2020 Census counted.
- Size percentile: roughly 55% of Wisconsin's places have fewer residents than Adams's 1,780.
- Density: the Census land area of 2.9 sq mi holds about 604 people per square mile.
- Land area: Adams covers 2.9 square miles, the 239th-largest area among Wisconsin's 605 places.
- State share: roughly 0.0% of Wisconsin's residents live in Adams (1,780 people).
- Nationally: Adams is the 8,055th-largest of 19,457 Census places in the dataset.
- Growth rank: Adams ranks 163rd among Wisconsin's 605 places for the 2020-to-2023 change.
- Versus Wisconsin: the state average change is +0.4%, while Adams moved 1.0%.
- Density rank: Adams is the 375th most densely settled place in Wisconsin.
- Against the state median: Adams runs about 604 residents per square mile, where the Wisconsin median is 800.
- Location: 43.9552, -89.8165 (Census Gazetteer coordinates).
- Nearest larger cities: Mauston (17 mi); New Lisbon (18 mi); Wisconsin Dells (22 mi); Nekoosa (25 mi); Lake Delton (25 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Friendship (1 mi); Necedah (14 mi); Coloma (15 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 69 smaller Census places.
- Within 100 miles: 165 places are larger than Adams.
Lender access in Adams
At roughly 604 people per square mile, Adams is moderately settled; 23 larger places lie within 50 miles. Lenders licensed in Wisconsin reach Adams's 1,780 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Mauston, WI about 17 miles away.
The geography behind Adams
Inside Adams's boundaries lie about 2.9 square miles of land, with no significant water area recorded. With 1,780 residents, the land area yields roughly 604 people per square mile. The largest place in Wisconsin, Milwaukee, lies about 111 miles away. A 50-mile radius around Adams takes in 23 places that are larger. By land area it ranks 239th of 605 Wisconsin places.
Where Adams sits in Wisconsin
Set beside Wisconsin's 605 places, Adams ranks 273rd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Adams stands 163rd among Wisconsin's 605 places — roughly the 73th percentile. At about 604 people per square mile, Adams is the 375th most densely settled place in Wisconsin. The population moved by about 17 people between 2020 and 2023, a 1.0% shift.
What Wisconsin law requires in Adams
When Wisconsin does not publish a figure, the row links to the source instead of inventing a number; Adams is bound by the same rules.
| 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 |
| 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 |
| 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 |
The anatomy of a Adams personal loan
In Adams, a small community of about 1,780, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Adams can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Adams loan is knowable in advance — unlike a revolving card balance.
Common questions
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Does comparing loans in Adams cost me credit score points?
Nearby places
- Friendship, WI — population 680
- Lyndon Station, WI — population 484
- Necedah, WI — population 913
- Coloma, WI — population 455
- Mauston, WI — population 4,176
- Oxford, WI — population 534
- Wisconsin Dells, WI — population 3,344
- Westfield, WI — population 1,323