Personal loans in Ephraim, WI

What the Census records for Ephraim

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

• Population: an estimated 343 residents, 529th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
• Population trend: Higher by roughly 0.6% since the 2020 count.
• People gained or lost: about 2 more since the 2020 base.
• Size percentile: roughly 13% of Wisconsin's places have fewer residents than Ephraim's 343.
• Population density: 91 people per square mile on 3.8 square miles of land.
• Land area rank: Ephraim's 3.8 square miles rank 191st of 605 places in Wisconsin.
• Water area rank: Ephraim ranks 8th among Wisconsin's 605 places, with 4.34 sq mi.
• Share of state population: Ephraim's 343 residents are about 0.0% of Wisconsin.
• National rank: Ephraim is 14,654th of 19,457 places nationwide.
• Growth in Wisconsin: Ephraim stands 192nd by percentage change from 2020 to 2023, among 605 places.
• Versus Wisconsin: the state average change is +0.4%, while Ephraim moved 0.6%.
• Density in Wisconsin: Ephraim ranks 588th by people per square mile.
• Against the state median: Ephraim runs about 91 residents per square mile, where the Wisconsin median is 800.
• Location: the Census Gazetteer records it at 45.1677, -87.1726.
• Nearest larger cities: Sister Bay (2 mi); Egg Harbor (10 mi); Menominee (22 mi); Marinette (23 mi); Sturgeon Bay (26 mi). Online lenders reach Ephraim no matter how far the nearest branch is.
• Nearest smaller towns: Daggett (29 mi); Carney (35 mi); Garden (51 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 2 smaller Census places.
• Larger places within 100 miles: 114.

How lenders reach Ephraim

At roughly 91 people per square mile, Ephraim is sparsely settled; 19 larger places lie within 50 miles. Whether Ephraim has a local branch or not, a Wisconsin-licensed lender can serve its 343 people online on the same terms. For a larger market, the closest option is Sister Bay, WI about 2 miles away.

Ephraim on the map

Ephraim covers about 3.8 square miles of land, with 4.34 square miles of water inside its boundaries (Census Gazetteer). That land carries about 91 people per square mile. For the state's biggest city, Milwaukee, the distance is roughly 151 miles. Within 50 miles of Ephraim there are 19 larger Census places. Within the same 50 miles lie 2 smaller Census places.

How Ephraim compares across Wisconsin

Against Wisconsin's other places, Ephraim accounts for about 0.0% of the state's population and ranks 529th of 605 by size. For population change between 2020 and 2023, Ephraim ranks 192nd of 605 in Wisconsin (about the 68th percentile). At about 91 people per square mile, Ephraim is the 588th most densely settled place in Wisconsin. The population moved by about 2 people between 2020 and 2023, a 0.6% shift.

Before you apply in Ephraim

Before you apply in Ephraim, a community of about 343, work through these steps:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the lender holds a Wisconsin licence by checking the regulator named above.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Pick the shortest term whose payment you can comfortably afford.

None of these steps is Ephraim-specific: the same Wisconsin licensing and disclosure rules reach all 343 residents.

The state rulebook for Ephraim

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