Personal loans in Lena, WI

Lena is home to roughly 530 people and stands 470th by size out of 605 Census places in Wisconsin. When Wisconsin caps or restricts a product, lenders either change the terms or withdraw it from Lena as from the rest of the state. A 2020-to-2023 comparison shows Lena down by about 0.2%. The closest larger city is Oconto Falls, WI about 7 miles away.

The Lena data picture

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

• Population: 530 — Lena ranks 470th of 605 communities in Wisconsin (US Census Bureau, Vintage 2023).
• Population trend: A decline of about 0.2% across the 2020-to-2023 comparison.
• Net change: roughly 1 fewer people than the 2020 Census counted.
• Size percentile: with 530 residents, Lena is larger than about 22% of Wisconsin's Census places.
• Population density: 499 people per square mile on 1.1 square miles of land.
• Land area: Lena covers 1.1 square miles, the 468th-largest area among Wisconsin's 605 places.
• State population share: Lena accounts for about 0.0% of everyone in Wisconsin.
• National standing: Lena ranks 12,932nd of 19,457 US places.
• Growth rank: Lena's 2020-to-2023 change ranks 293rd of 605 places in Wisconsin.
• Versus Wisconsin: the state average change is +0.4%, while Lena moved 0.2%.
• Density in Wisconsin: Lena ranks 422nd by people per square mile.
• Density vs Wisconsin: Lena's 499 people per square mile compare with a state median of 800.
• Location: mapped by the US Census Bureau at 44.9530, -88.0473.
• Nearest larger cities: Oconto Falls (7 mi); Coleman (8 mi); Oconto (10 mi); Gillett (13 mi); Peshtigo (16 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Pound (10 mi); Suring (16 mi); Forestville (33 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 13 smaller Census places.
• At 100 miles: 143 larger Census places fall inside that radius.

How a Lena personal loan is priced

Most loans made to Lena's 530 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 Lena. Because the payment is fixed, the total cost of a Lena loan is knowable in advance — unlike a revolving card balance.

Lena on the map

Lena's land area is roughly 1.1 square miles, and the Gazetteer records no significant water area within it. That land carries about 499 people per square mile. The state's population centre of gravity, Milwaukee, is roughly 131 miles away. A 50-mile radius around Lena takes in 40 places that are larger. By land area it ranks 468th of 605 Wisconsin places.

Lena against the rest of Wisconsin

Among Wisconsin's 605 places, Lena sits at 470th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 293rd of 605 Wisconsin places, putting it near the 52th percentile for growth. At about 499 people per square mile, Lena is the 422nd most densely settled place in Wisconsin. By land area, its 1.1 square miles rank 468th of 605 places in Wisconsin.

Wisconsin consumer-lending rules applied in Lena

This table holds the Wisconsin rate and licensing rules for consumer loans made to Lena's 530 residents.

Before you apply in Lena

A sensible order of operations for a loan in Lena, home to about 530 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
3. Shop at least three lenders and judge them on APR and total cost.
4. Look the lender up in the Wisconsin regulator's licence records before you sign.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Decide the purpose and how you will repay it before approaching any lender.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

None of these steps is Lena-specific: the same Wisconsin licensing and disclosure rules reach all 530 residents.