Personal loans in Clayton, WI

Clayton: the sourced local profile

Read the local figures below as context; read the sourced Wisconsin table as the rulebook a lender here must follow.

• Population: about 546, ranked 460th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly 0.9% fewer residents than the 2020 Census counted.
• People gained or lost: about 5 fewer since the 2020 base.
• Size percentile: about 24% of Wisconsin's Census places are smaller than Clayton.
• Density: the Census land area of 3.2 sq mi holds about 170 people per square mile.
• Land area rank: Clayton's 3.2 square miles rank 225th of 605 places in Wisconsin.
• Water: Clayton holds about 0.13 square miles, the 170th-largest water area in Wisconsin.
• Share of state population: Clayton's 546 residents are about 0.0% of Wisconsin.
• National standing: Clayton ranks 12,797th of 19,457 US places.
• Growth rank: Clayton's 2020-to-2023 change ranks 384th of 605 places in Wisconsin.
• Versus Wisconsin: the state average change is +0.4%, while Clayton moved 0.9%.
• Density rank: Clayton is the 558th most densely settled place in Wisconsin.
• Density in context: Clayton's 170 people per square mile sit against a Wisconsin median of 800.
• Location: the Census Gazetteer records it at 45.3275, -92.1645.
• Nearest larger cities: Turtle Lake (4 mi); Clear Lake (7 mi); Almena (9 mi); Amery (10 mi); Cumberland (16 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller places: Prairie Farm (11 mi); Deer Park (15 mi); Ridgeland (16 mi).
• Within a 50-mile radius: 16 smaller Census places.
• Within 100 miles: 309 places are larger than Clayton.

Which Wisconsin laws govern a loan in Clayton

The rows below set out what a licensed lender must follow in Wisconsin, and so for Clayton's roughly 546 residents.

Clayton against the rest of Wisconsin

Set beside Wisconsin's 605 places, Clayton ranks 460th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Clayton ranks 384th of 605 in Wisconsin (about the 37th percentile). Its roughly 170 residents per square mile place it 558th among Wisconsin's places. The population moved by about 5 people between 2020 and 2023, a 0.9% shift.

How a Clayton personal loan is priced

Clayton is a small community of about 546 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Clayton's 546 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Clayton loan but raises total interest, so the smallest payment is not the cheapest loan.

Clayton on the map

Clayton covers about 3.2 square miles of land, with 0.13 square miles of water inside its boundaries (Census Gazetteer). That land carries about 170 people per square mile. Milwaukee, the largest place in Wisconsin, is about 260 miles from Clayton. Within 50 miles of Clayton there are 87 larger Census places. The 100-mile radius contains 309 larger places.

A practical checklist for Clayton borrowers

Before you hand your details to a lender in Clayton, where the population is near 546:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the lender holds a Wisconsin licence by checking the regulator named above.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Test the payment against your current bills before you commit.

What differs between Clayton and the rest of Wisconsin is not the process but the borrower's own file, among the 546 people here.