Personal loans in Ettrick, WI

By population, Ettrick sits at 473rd in Wisconsin, with an estimated 521 residents. From the 2020 Census base to the 2023 estimate, the population declined by about 1.3%.

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 personal loan in Ettrick is priced from your credit file and income, not from the fact that the city holds 521 people. Lenders active in Ettrick report to a Wisconsin supervisor, identified in the sourced rows below. Decide the purpose of the loan and your repayment plan before sharing any details with a Ettrick lender. The next larger city is Galesville, WI about 7 miles away.

Local context for Ettrick

Only a few things actually differ by place — population, area, location, and the Wisconsin rules a lender must follow — and they are below.

Wisconsin consumer-lending rules applied in Ettrick

For the roughly 521 residents of Ettrick, the rules below are Wisconsin's own; each row carries its publisher and retrieval date.

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

Ettrick on the map

Ettrick covers about 0.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 705 people per square mile. For the state's biggest city, Milwaukee, the distance is roughly 182 miles. Ettrick has 60 larger places within a 50-mile radius. The 100-mile radius contains 248 larger places.

How personal loans work in Ettrick

With roughly 521 residents, Ettrick is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Ettrick can be quoted different APRs on the same amount and term. The term you choose in Ettrick decides the split between a comfortable payment and the total interest you pay.

Ettrick's place among Wisconsin's 605 places

Within Wisconsin, Ettrick holds roughly 0.0% of all residents, the 473rd-largest share among 605 places. For population change between 2020 and 2023, Ettrick ranks 440th of 605 in Wisconsin (about the 27th percentile). By density, at about 705 people per square mile, it ranks 334th in Wisconsin. By land area, its 0.7 square miles rank 546th of 605 places in Wisconsin.

Borrowing reach in Ettrick

At roughly 705 people per square mile, Ettrick is moderately settled; 60 larger places lie within 50 miles. What is available to Ettrick's 521 borrowers is set by Wisconsin licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Galesville, WI about 7 miles away.

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

Nearby places

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