Personal loans in Bruce, WI
Bruce lost roughly 3.2% of its population across the 2020-to-2023 comparison. The Census estimates 753 residents in Bruce, which ranks it 408th of 605 places in Wisconsin. Bruce is a small community in Wisconsin, with an estimated 753 residents, and every licensed lender here follows the same state rulebook. Decide the purpose of the loan and your repayment plan before sharing any details with a Bruce lender. Which products a lender may offer to Bruce's 753 residents follows from the Wisconsin consumer-lending framework. The closest larger place is Ladysmith, WI about 9 miles away.
Bruce by the numbers
What follows is Bruce's place in the Census record, alongside the Wisconsin rules that govern a personal loan made here.
- Population: the Census counts 753 residents in Bruce (Vintage 2023 subcounty estimate), the 408th-largest figure among Wisconsin's 605 places.
- Population trend: Down about 3.2% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 25 fewer people than the 2020 Census counted.
- Size percentile: with 753 residents, Bruce is larger than about 33% of Wisconsin's Census places.
- Density: roughly 326 residents per square mile, spread over 2.3 sq mi of land.
- By land area: Bruce ranks 283rd among Wisconsin's 605 places, at 2.3 sq mi.
- Water area: Bruce has 0.05 square miles of water, ranking 239th of 605 places in Wisconsin.
- Share of state population: Bruce's 753 residents are about 0.0% of Wisconsin.
- Nationally: Bruce is the 11,447th-largest of 19,457 Census places in the dataset.
- Growth in Wisconsin: Bruce stands 579th by percentage change from 2020 to 2023, among 605 places.
- State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Bruce's 3.2%.
- Density rank: Bruce places 504th among Wisconsin's places by people per square mile.
- Against the state median: Bruce runs about 326 residents per square mile, where the Wisconsin median is 800.
- Location: it lies at 45.4635, -91.2793 in the Census Gazetteer.
- Nearest larger cities: Ladysmith (9 mi); Chetek (21 mi); Cornell (22 mi); Rice Lake (23 mi); Cameron (23 mi). Lenders licensed in the state serve Bruce whether or not they keep a local branch.
- Smaller communities within reach: Weyerhaeuser (7 mi); Conrath (13 mi); Tony (14 mi).
- Smaller neighbours: 27 places smaller than Bruce sit within 50 miles.
- Within 100 miles: 182 places are larger than Bruce.
The geography behind Bruce
Bruce's land area is about 2.3 square miles; a further 0.05 square miles is water. With 753 residents, the land area yields roughly 326 people per square mile. The largest place in Wisconsin, Milwaukee, lies about 233 miles away. Counting outward 50 miles, 25 larger communities surround Bruce. The 100-mile radius contains 182 larger places.
The Wisconsin lending rules that reach Bruce
Every row below records a Wisconsin rule, its publisher and its retrieval date — the same rules a Bruce lender must follow.
| 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 |
Borrowing reach in Bruce
Bruce is lightly settled, with about 326 people per square mile and 25 larger places within 50 miles. What is available to Bruce's 753 borrowers is set by Wisconsin licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Ladysmith, WI about 9 miles away.
How Bruce compares across Wisconsin
Within Wisconsin, Bruce holds roughly 0.0% of all residents, the 408th-largest share among 605 places. Its 2020-to-2023 change ranks 579th of 605 Wisconsin places, putting it near the 4th percentile for growth. By density, at about 326 people per square mile, it ranks 504th in Wisconsin. In land area, Bruce ranks 283rd among Wisconsin's 605 places.
How personal loans work in Bruce
With roughly 753 residents, Bruce is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Bruce loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Bruce loan is knowable in advance — unlike a revolving card balance.
Common questions
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Nearby places
- Weyerhaeuser, WI — population 231
- Ladysmith, WI — population 3,087
- Exeland, WI — population 227
- Conrath, WI — population 88
- Tony, WI — population 98
- Radisson, WI — population 275
- Cornell, WI — population 1,413
- Birchwood, WI — population 405