Personal loans in Edgerton, WI
The roughly 5,991 people who live in Edgerton borrow under Wisconsin rules; city hall sets no personal-loan rate. A single loan can carry different costs on either side of a state line, and Edgerton sits on the Wisconsin side of that line.
Edgerton is home to roughly 5,991 people and stands 139th by size out of 605 Census places in Wisconsin. Use the calculator on this page to price an amount and term before you commit in Edgerton. A 2020-to-2023 comparison shows Edgerton up by about 0.7%. The nearest larger metro is Stoughton, WI about 10 miles away.
Where Edgerton stands
Two layers matter for a Edgerton borrower: the local population picture and Wisconsin's consumer-lending statutes.
- Population: about 5,991, ranked 139th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- Population trend: A rise of about 0.7% from 2020 to 2023.
- Absolute change: 42 residents added between 2020 and 2023.
- Size percentile: with 5,991 residents, Edgerton is larger than about 77% of Wisconsin's Census places.
- Population density: about 1,440 people per square mile across 4.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Edgerton's 4.2 square miles rank 174th of 605 places in Wisconsin.
- State population share: Edgerton accounts for about 0.1% of everyone in Wisconsin.
- National rank: Edgerton is 4,360th of 19,457 places nationwide.
- Growth rank: Edgerton's 2020-to-2023 change ranks 184th of 605 places in Wisconsin.
- State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Edgerton's 0.7%.
- Density rank: Edgerton places 123rd among Wisconsin's places by people per square mile.
- Density vs Wisconsin: Edgerton's 1,440 people per square mile compare with a state median of 800.
- Location: mapped by the US Census Bureau at 42.8389, -89.0696.
- Nearest larger cities: Stoughton (10 mi); Janesville (11 mi); Fort Atkinson (13 mi); McFarland (16 mi); Whitewater (17 mi). Living near a larger metro rarely changes what is available in Edgerton.
- Smaller towns nearby: Milton (8 mi); Rockdale (9 mi); Cambridge (12 mi).
- Smaller neighbours: 102 places smaller than Edgerton sit within 50 miles.
- At 100 miles: 257 larger Census places fall inside that radius.
Lender access in Edgerton
At roughly 1,440 people per square mile, Edgerton is moderately settled; 52 larger places lie within 50 miles. Lenders licensed in Wisconsin reach Edgerton's 5,991 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Stoughton, WI about 10 miles away.
Edgerton in state context
Set beside Wisconsin's 605 places, Edgerton ranks 139th by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Edgerton stands 184th among Wisconsin's 605 places — roughly the 70th percentile. Its roughly 1,440 residents per square mile place it 123rd among Wisconsin's places. In land area, Edgerton ranks 174th among Wisconsin's 605 places.
The Wisconsin lending rules that reach Edgerton
Every row below records a Wisconsin rule, its publisher and its retrieval date — the same rules a Edgerton lender must follow.
| 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 |
| Small-loan / installment lender licensing | Licensed lender license required from the Division of Banking (Wis. Stat. § 138.09) Source says: Before any person may do business under this section, that person shall first obtain a license from the division. | 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 |
Land, water and location for Edgerton
The Census Gazetteer records about 4.2 square miles of land within Edgerton, with no significant water area listed. The resulting density is about 1,440 people per square mile. Milwaukee, the largest place in Wisconsin, is about 58 miles from Edgerton. Counting outward 50 miles, 52 larger communities surround Edgerton. Within the same 50 miles lie 102 smaller Census places.
Steps to take before a Edgerton loan
For Edgerton's roughly 5,991 residents, these are the steps that most influence the offer:
- Start with the credit file: order the reports, fix the errors, then apply.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Check the Wisconsin regulator's records to confirm the lender is licensed here.
- Weigh a shorter term's higher payment against the interest it saves.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Decide the purpose and how you will repay it before approaching any lender.
In Edgerton as elsewhere in Wisconsin, the written terms — not the advertisement — are what count for its 5,991 residents.
Common questions
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Nearby places
- Rockdale, WI — population 204
- Milton, WI — population 5,658
- Janesville, WI — population 66,102
- Cambridge, WI — population 1,668
- Stoughton, WI — population 13,044
- Deerfield, WI — population 2,515
- Footville, WI — population 832
- Evansville, WI — population 5,823