Personal loans in Ellsworth, WI

Ellsworth, Wisconsin — home to about 3,298 people — is a small community, so the terms you are offered follow Wisconsin law rather than any local rule. From the 2020 Census base to the 2023 estimate, the population declined by about 1.5%. If debt is already a strain, a nonprofit credit counsellor can help Ellsworth residents before they take on more. The nearest larger city is River Falls, WI about 11 miles away.

What the Census records for Ellsworth

What follows is Ellsworth's place in the Census record, alongside the Wisconsin rules that govern a personal loan made here.

• Population: the Census counts 3,298 residents in Ellsworth (Vintage 2023 subcounty estimate), the 199th-largest figure among Wisconsin's 605 places.
• Population trend: Lower by roughly 1.5% since the 2020 count.
• People gained or lost: about 49 fewer since the 2020 base.
• Size percentile: with 3,298 residents, Ellsworth is larger than about 67% of Wisconsin's Census places.
• Land and density: 3.8 square miles of land carry roughly 869 residents per square mile.
• Land area rank: Ellsworth's 3.8 square miles rank 188th of 605 places in Wisconsin.
• Within Wisconsin: about 0.1% of the state's population lives in Ellsworth.
• National rank: Ellsworth is the 5,990th most populous of the 19,457 Census places covered here.
• Growth rank: Ellsworth's 2020-to-2023 change ranks 457th of 605 places in Wisconsin.
• Against the state trend: Ellsworth's 1.5% change compares with a Wisconsin average of +0.4% across its 605 places.
• Density rank: Ellsworth places 272nd among Wisconsin's places by people per square mile.
• Density in context: Ellsworth's 869 people per square mile sit against a Wisconsin median of 800.
• Location: coordinates 44.7362, -92.4802 (US Census Bureau Gazetteer).
• Nearest larger cities: River Falls (11 mi); Red Wing (12 mi); Prescott (15 mi); Baldwin (16 mi); Hastings (18 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Bay City (10 mi); Spring Valley (14 mi); Maiden Rock (14 mi).
• Smaller neighbours: 84 places smaller than Ellsworth sit within 50 miles.
• Within 100 miles: 176 places are larger than Ellsworth.

Land, water and location for Ellsworth

Ellsworth's land area is roughly 3.8 square miles, and the Gazetteer records no significant water area within it. With 3,298 residents, the land area yields roughly 869 people per square mile. For the state's biggest city, Milwaukee, the distance is roughly 253 miles. Ellsworth has 89 larger places within a 50-mile radius. Within the same 50 miles lie 84 smaller Census places.

Ellsworth against the rest of Wisconsin

Within Wisconsin, Ellsworth holds roughly 0.1% of all residents, the 199th-largest share among 605 places. Its 2020-to-2023 change ranks 457th of 605 Wisconsin places, putting it near the 24th percentile for growth. By density, at about 869 people per square mile, it ranks 272nd in Wisconsin. The population moved by about 49 people between 2020 and 2023, a 1.5% shift.

Wisconsin consumer-lending rules applied in Ellsworth

When Wisconsin does not publish a figure, the row links to the source instead of inventing a number; Ellsworth is bound by the same rules.

Lender access in Ellsworth

Ellsworth is moderately settled, with about 869 people per square mile and 89 larger places within 50 miles. Distance to a branch rarely matters for Ellsworth's 3,298 residents: the application is online and the price follows your credit file. The nearest bigger place is River Falls, WI about 11 miles away.

What to do before borrowing in Ellsworth

A sensible order of operations for a loan in Ellsworth, home to about 3,298 people:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the lender holds a Wisconsin licence by checking the regulator named above.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Make sure the new payment leaves room in a budget you already keep.

The process is identical across Wisconsin; what changes is your credit file, not the fact that Ellsworth holds 3,298 people.