Personal loans in Eland, WI
A lender serving Eland holds a Wisconsin licence and answers to a Wisconsin regulator; no city office is involved for its 197 residents. Eland's population was effectively unchanged from the 2020 count to the 2023 estimate.
The Census estimates 197 residents in Eland, which ranks it 576th of 605 places in Wisconsin. Price two or three terms so you can see which payment is truly affordable in Eland. Every figure below is Wisconsin's own, applied to Eland's 197 residents, with the publisher and retrieval date attached. The nearest larger metro is Wittenberg, WI about 3 miles away.
Eland: population, trend and location
Most of what governs a Eland loan is written in Wisconsin law rather than in the city; the sourced notes below make that split concrete.
- Population: 197 residents; Eland is the 576th-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- Population trend: Little measurable movement between 2020 and 2023.
- Size percentile: bigger than about 5% of the places in Wisconsin, with 197 residents in Eland.
- Population density: 89 people per square mile on 2.2 square miles of land.
- By land area: Eland ranks 295th among Wisconsin's 605 places, at 2.2 sq mi.
- State population share: Eland accounts for about 0.0% of everyone in Wisconsin.
- National rank: Eland is the 16,532nd most populous of the 19,457 Census places covered here.
- Growth in Wisconsin: Eland stands 268th by percentage change from 2020 to 2023, among 605 places.
- Against the state trend: Eland's 0.0% change compares with a Wisconsin average of +0.4% across its 605 places.
- Density rank: Eland is the 591st most densely settled place in Wisconsin.
- Density in context: Eland's 89 people per square mile sit against a Wisconsin median of 800.
- Location: 44.8669, -89.2090 (Census Gazetteer coordinates).
- Nearest larger cities: Wittenberg (3 mi); Birnamwood (4 mi); Hatley (6 mi); Aniwa (10 mi); Bowler (11 mi). A branch is convenient; it is not what sets your APR.
- Smaller places close by: Elderon (6 mi); Big Falls (20 mi); Nelsonville (26 mi).
- Within a 50-mile radius: 5 smaller Census places.
- Larger places within 100 miles: 238.
The state rulebook for Eland
Wisconsin has no separate rate rule for Eland; the sourced rows below are what reach every lender that serves its 197 people.
| 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 |
Before you apply in Eland
For Eland's roughly 197 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.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the lender holds a Wisconsin licence by checking the regulator named above.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Check that the monthly payment fits your budget next to your existing obligations.
- Weigh a shorter term's higher payment against the interest it saves.
None of these steps is Eland-specific: the same Wisconsin licensing and disclosure rules reach all 197 residents.
How Eland compares across Wisconsin
Eland is the 576th-largest of 605 Census places in Wisconsin and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Eland stands 268th among Wisconsin's 605 places — roughly the 56th percentile. By density, at about 89 people per square mile, it ranks 591st in Wisconsin. In land area, Eland ranks 295th among Wisconsin's 605 places.
What a Eland borrower is actually offered
Most loans made to Eland's 197 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Eland. The term you choose in Eland decides the split between a comfortable payment and the total interest you pay.
Borrowing reach in Eland
Eland is a sparsely settled community of about 197 people, with 66 larger places inside a 50-mile radius. A Wisconsin licence lets a lender serve Eland without a local office, so branch density does not change what its 197 residents are offered. The nearest bigger place is Wittenberg, WI about 3 miles away.
Common questions
What are my options in Eland if my credit is poor?
What loan size can I expect in Eland?
Do I have to pledge anything to borrow in Eland?
Does comparing loans in Eland cost me credit score points?
Nearby places
- Wittenberg, WI — population 996
- Birnamwood, WI — population 732
- Elderon, WI — population 157
- Hatley, WI — population 674
- Aniwa, WI — population 243
- Tigerton, WI — population 707
- Mattoon, WI — population 358
- Bowler, WI — population 312