Personal loans in Boaz, WI
If you are weighing a personal loan in Boaz, start from the payment you can carry; its 124 residents face the same statewide rules. The Census estimates 124 residents in Boaz, which ranks it 589th of 605 places in Wisconsin.
Boaz shed about 2.4% of its population between the 2020 base and the 2023 estimate. A single loan can carry different costs on either side of a state line, and Boaz sits on the Wisconsin side of that line. Read the disclosure for an origination fee and any prepayment penalty before signing in Boaz. The closest larger place is Richland Center, WI about 7 miles away.
Borrowing in Boaz: the local picture
Here is the sourced Census picture for Boaz, plus the Wisconsin lending rules that apply to a loan taken out here.
- Population: 124 — Boaz ranks 589th of 605 communities in Wisconsin (US Census Bureau, Vintage 2023).
- Population trend: Down about 2.4% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a loss of about 3 residents.
- Size percentile: with 124 residents, Boaz is larger than about 3% of Wisconsin's Census places.
- Density: the Census land area of 0.4 sq mi holds about 344 people per square mile.
- Land area: Boaz covers 0.4 square miles, the 595th-largest area among Wisconsin's 605 places.
- Within Wisconsin: about 0.0% of the state's population lives in Boaz.
- Nationally: Boaz is the 17,698th-largest of 19,457 Census places in the dataset.
- Growth rank: Boaz's 2020-to-2023 change ranks 532nd of 605 places in Wisconsin.
- State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Boaz's 2.4%.
- Density rank: Boaz places 496th among Wisconsin's places by people per square mile.
- Density vs Wisconsin: Boaz's 344 people per square mile compare with a state median of 800.
- Location: latitude 43.3299, longitude -90.5277 (Census Gazetteer).
- Nearest larger cities: Richland Center (7 mi); Blue River (10 mi); Muscoda (11 mi); Soldiers Grove (13 mi); Avoca (14 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Yuba (15 mi); Bell Center (15 mi); Steuben (19 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 8 of them.
- Within 100 miles: 416 places are larger than Boaz.
Boaz against the rest of Wisconsin
Against Wisconsin's other places, Boaz accounts for about 0.0% of the state's population and ranks 589th of 605 by size. For population change between 2020 and 2023, Boaz ranks 532nd of 605 in Wisconsin (about the 12th percentile). Its roughly 344 residents per square mile place it 496th among Wisconsin's places. Between 2020 and 2023 the count changed by roughly 3 residents.
Wisconsin consumer-lending rules applied in Boaz
Below are the Wisconsin rules that apply to a loan made in Boaz, each with the regulator that issued it.
| 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 |
A pre-application checklist for Boaz
For Boaz's roughly 124 residents, these are the steps that most influence the offer:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Test your amount and term in the personal loan calculator first.
- Get several pre-qualifications and compare APR side by side before choosing.
- Check the Wisconsin regulator's records to confirm the lender is licensed here.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Make sure the new payment leaves room in a budget you already keep.
What differs between Boaz and the rest of Wisconsin is not the process but the borrower's own file, among the 124 people here.
Boaz on the map
The Census Gazetteer records about 0.4 square miles of land within Boaz, with no significant water area listed. Spread across it are roughly 344 residents per square mile. For the state's biggest city, Milwaukee, the distance is roughly 130 miles. Counting outward 50 miles, 106 larger communities surround Boaz. By land area it ranks 595th of 605 Wisconsin places.
What is available to Boaz borrowers
Boaz is lightly settled, with about 344 people per square mile and 106 larger places within 50 miles. What is available to Boaz's 124 borrowers is set by Wisconsin licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Richland Center, WI about 7 miles away.
Common questions
What are my options in Boaz if my credit is poor?
What loan size can I expect in Boaz?
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Does comparing loans in Boaz cost me credit score points?
Nearby places
- Richland Center, WI — population 4,944
- Blue River, WI — population 454
- Muscoda, WI — population 1,262
- Yuba, WI — population 51
- Viola, WI — population 803
- Avoca, WI — population 551
- Soldiers Grove, WI — population 561
- Boscobel, WI — population 3,217