Personal loans in Delavan, WI

Delavan is a small town of about 8,523 residents, and a personal loan taken out here is governed by Wisconsin statute. The Census estimates 8,523 residents in Delavan, which ranks it 113th of 605 places in Wisconsin.

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.

A larger market lies at Elkhorn, WI about 6 miles away. Population in Delavan dropped about 0.1% over the three years from 2020 to 2023. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Delavan's 8,523 residents. Verify the lender's Wisconsin licence against the regulator named below before borrowing in Delavan.

Local context for Delavan

Here is the sourced Census picture for Delavan, plus the Wisconsin lending rules that apply to a loan taken out here.

How a Delavan personal loan is priced

With roughly 8,523 residents, Delavan is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Delavan. A longer term lowers the monthly payment on a Delavan loan but raises total interest, so the smallest payment is not the cheapest loan.

How lenders reach Delavan

Delavan is a moderately settled community of about 8,523 people, with 93 larger places inside a 50-mile radius. Distance to a branch rarely matters for Delavan's 8,523 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Elkhorn, WI about 6 miles away.

The geography behind Delavan

Inside Delavan's boundaries lie roughly 7.4 square miles of land and 0.46 square miles of water. That land carries about 1,150 people per square mile. For the state's biggest city, Milwaukee, the distance is roughly 45 miles. Counting outward 50 miles, 93 larger communities surround Delavan. Within the same 50 miles lie 145 smaller Census places.

Delavan against the rest of Wisconsin

Within Wisconsin, Delavan holds roughly 0.2% of all residents, the 113th-largest share among 605 places. For population change between 2020 and 2023, Delavan ranks 275th of 605 in Wisconsin (about the 55th percentile). At about 1,150 people per square mile, Delavan is the 186th most densely settled place in Wisconsin. In land area, Delavan ranks 104th among Wisconsin's 605 places.

Which Wisconsin laws govern a loan in Delavan

Every row below records a Wisconsin rule, its publisher and its retrieval date — the same rules a Delavan 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

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 Delavan 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 Delavan is the same as anywhere in Wisconsin.
What loan size can I expect in Delavan?
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 Delavan?
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 Delavan 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.

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