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.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

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.

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.

RuleDetailSource
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

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.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Bruce if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Bruce is the same as anywhere in Wisconsin.
What loan size can I expect in Bruce?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Bruce?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Bruce cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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