Personal loans in Chilton, WI
A lender serving Chilton holds a Wisconsin licence and answers to a Wisconsin regulator; no city office is involved for its 3,939 residents. Chilton shed about 3.6% of its population between the 2020 base and the 2023 estimate. With an estimated 3,939 residents, Chilton is the 174th-largest of 605 places in Wisconsin. Judge Chilton offers on total cost, not on how quickly the money arrives. When Wisconsin caps or restricts a product, lenders either change the terms or withdraw it from Chilton as from the rest of the state. The next larger city is Kiel, WI about 10 miles away.
What the Census records for Chilton
What follows is Chilton's place in the Census record, alongside the Wisconsin rules that govern a personal loan made here.
- Population: about 3,939, ranked 174th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 3.6% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 147 fewer people than the 2020 Census counted.
- Size percentile: with 3,939 residents, Chilton is larger than about 71% of Wisconsin's Census places.
- Land and density: 4.0 square miles of land carry roughly 975 residents per square mile.
- Land area rank: Chilton's 4.0 square miles rank 180th of 605 places in Wisconsin.
- Water area: Chilton has 0.05 square miles of water, ranking 242nd of 605 places in Wisconsin.
- State share: roughly 0.1% of Wisconsin's residents live in Chilton (3,939 people).
- National rank: Chilton is 5,483rd of 19,457 places nationwide.
- Growth in Wisconsin: Chilton stands 588th by percentage change from 2020 to 2023, among 605 places.
- State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Chilton's 3.6%.
- Density rank: Chilton places 232nd among Wisconsin's places by people per square mile.
- Against the state median: Chilton runs about 975 residents per square mile, where the Wisconsin median is 800.
- Location: 44.0302 / -88.1617, per the US Census Bureau Gazetteer.
- Nearest larger cities: Kiel (10 mi); Harrison (13 mi); Kaukauna (18 mi); Menasha (18 mi); Neenah (18 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller places: New Holstein (7 mi); Potter (7 mi); Hilbert (8 mi).
- Smaller places within 50 miles: 65 of them.
- At 100 miles: 136 larger Census places fall inside that radius.
A pre-application checklist for Chilton
These steps shape the offer you get in Chilton, a place of about 3,939 people:
- Pull your credit reports first and correct any error before a lender sees the file.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the lender holds a Wisconsin licence by checking the regulator named above.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
The process is identical across Wisconsin; what changes is your credit file, not the fact that Chilton holds 3,939 people.
Chilton's place among Wisconsin's 605 places
Set beside Wisconsin's 605 places, Chilton ranks 174th by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 588th of 605 Wisconsin places, putting it near the 3th percentile for growth. Its roughly 975 residents per square mile place it 232nd among Wisconsin's places. Between 2020 and 2023 the count changed by roughly 147 residents.
Getting a loan in Chilton
Chilton is a moderately settled community of about 3,939 people, with 38 larger places inside a 50-mile radius. Lenders licensed in Wisconsin reach Chilton's 3,939 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Kiel, WI about 10 miles away.
What Wisconsin law requires in Chilton
For the roughly 3,939 residents of Chilton, 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 |
Chilton on the map
Inside Chilton's boundaries lie roughly 4.0 square miles of land and 0.05 square miles of water. The resulting density is about 975 people per square mile. For the state's biggest city, Milwaukee, the distance is roughly 68 miles. Within 50 miles of Chilton there are 38 larger Census places. Within the same 50 miles lie 65 smaller Census places.
Common questions
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Nearby places
- New Holstein, WI — population 3,012
- Potter, WI — population 230
- Hilbert, WI — population 1,211
- Stockbridge, WI — population 657
- Brillion, WI — population 3,365
- Kiel, WI — population 3,956
- Sherwood, WI — population 3,222
- St. Cloud, WI — population 491