Personal loans in Cecil, WI
Cecil is a small community of about 530 residents, and a personal loan taken out here is governed by Wisconsin statute. About 530 people live in Cecil, placing it 469th of 605 Census places in Wisconsin.
For a bigger market, look to Bonduel, WI about 5 miles away. Cecil added about 0.6% to its population between the 2020 base and the 2023 estimate. For the 530 people in Cecil, Wisconsin runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Judge Cecil offers on total cost, not on how quickly the money arrives.
The Cecil data picture
Two layers matter for a Cecil borrower: the local population picture and Wisconsin's consumer-lending statutes.
- Population: 530 people, a figure that places Cecil 469th among the 605 Census places in Wisconsin (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 0.6%.
- People gained or lost: about 3 more since the 2020 base.
- Size percentile: Cecil sits ahead of around 22% of Wisconsin places, at 530 people.
- Population density: about 296 people per square mile across 1.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Cecil's 1.8 square miles rank 347th of 605 places in Wisconsin.
- Water area: Cecil has 0.01 square miles of water, ranking 358th of 605 places in Wisconsin.
- State population share: Cecil accounts for about 0.0% of everyone in Wisconsin.
- National standing: Cecil ranks 12,928th of 19,457 US places.
- Growth rank: Cecil's 2020-to-2023 change ranks 195th of 605 places in Wisconsin.
- State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Cecil's 0.6%.
- Density rank: Cecil places 519th among Wisconsin's places by people per square mile.
- Against the state median: Cecil runs about 296 residents per square mile, where the Wisconsin median is 800.
- Location: 44.8114 / -88.4493, per the US Census Bureau Gazetteer.
- Nearest larger cities: Bonduel (5 mi); Shawano (7 mi); Gillett (9 mi); Pulaski (14 mi); Oconto Falls (16 mi). A branch is convenient; it is not what sets your APR.
- Smaller towns nearby: Suring (14 mi); Embarrass (16 mi); Nichols (17 mi).
- Smaller places within 50 miles: 19 of them.
- At 100 miles: 172 larger Census places fall inside that radius.
What to do before borrowing in Cecil
For Cecil's roughly 530 residents, these are the steps that most influence the offer:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Make sure the lender appears in the Wisconsin regulator's licence list.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Keep the amount to the expense; an approval is not a reason to take more.
- Decide the purpose and how you will repay it before approaching any lender.
None of these steps is Cecil-specific: the same Wisconsin licensing and disclosure rules reach all 530 residents.
Cecil against the rest of Wisconsin
Within Wisconsin, Cecil holds roughly 0.0% of all residents, the 469th-largest share among 605 places. Its 2020-to-2023 change ranks 195th of 605 Wisconsin places, putting it near the 68th percentile for growth. By density, at about 296 people per square mile, it ranks 519th in Wisconsin. Within 50 miles sit 19 smaller Census places, alongside the 56 that are larger.
Borrowing reach in Cecil
Cecil is a lightly settled community of about 530 people, with 56 larger places inside a 50-mile radius. Distance to a branch rarely matters for Cecil's 530 residents: the application is online and the price follows your credit file. The nearest larger city, Bonduel, WI about 5 miles away.
Land, water and location for Cecil
Cecil covers about 1.8 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 296 residents per square mile. The state's population centre of gravity, Milwaukee, is roughly 123 miles away. A 50-mile radius around Cecil takes in 56 places that are larger. Within the same 50 miles lie 19 smaller Census places.
The state rulebook for Cecil
For the roughly 530 residents of Cecil, the rules below are Wisconsin's own; each row carries its publisher and retrieval date.
| 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 |
Common questions
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Nearby places
- Bonduel, WI — population 1,410
- Shawano, WI — population 9,237
- Gillett, WI — population 1,276
- Suring, WI — population 518
- Nichols, WI — population 285
- Pulaski, WI — population 4,049
- Embarrass, WI — population 305
- Oconto Falls, WI — population 2,989