Personal loans in Marshall, WI
Marshall is a small community of about 3,810 residents, and a personal loan taken out here is governed by Wisconsin statute. Judge Marshall offers on total cost, not on how quickly the money arrives.
Marshall is home to roughly 3,810 people and stands 177th by size out of 605 Census places in Wisconsin. A single loan can carry different costs on either side of a state line, and Marshall sits on the Wisconsin side of that line. Census figures put the 2020-to-2023 increase in Marshall at about 0.6%. For a bigger market, look to Sun Prairie, WI about 9 miles away.
Marshall: the sourced local profile
Marshall is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 3,810 people, a figure that places Marshall 177th among the 605 Census places in Wisconsin (US Census Bureau, Vintage 2023).
- Population trend: A rise of about 0.6% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 23 residents.
- Size percentile: about 71% of Wisconsin communities are smaller than Marshall (3,810 residents).
- Population density: about 1,778 people per square mile across 2.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Marshall ranks 302nd among Wisconsin's 605 places, at 2.1 sq mi.
- Water area rank: Marshall ranks 138th among Wisconsin's 605 places, with 0.20 sq mi.
- Share of Wisconsin: Marshall holds about 0.1% of the state's population, some 3,810 people.
- National rank: Marshall sits 5,573rd by population among the 19,457 places in this dataset.
- Growth rank: Marshall ranks 191st among Wisconsin's 605 places for the 2020-to-2023 change.
- State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Marshall's 0.6%.
- Density in Wisconsin: Marshall ranks 87th by people per square mile.
- Against the state median: Marshall runs about 1,778 residents per square mile, where the Wisconsin median is 800.
- Location: the Census Gazetteer records it at 43.1705, -89.0626.
- Nearest larger cities: Sun Prairie (9 mi); Cottage Grove (9 mi); Lake Mills (10 mi); Columbus (12 mi); Windsor (12 mi). Lenders licensed in the state serve Marshall whether or not they keep a local branch.
- Nearest smaller towns: Waterloo (4 mi); Deerfield (8 mi); Cambridge (12 mi) — useful context for the surrounding area.
- Smaller neighbours: 87 places smaller than Marshall sit within 50 miles.
- Within 100 miles: 239 places are larger than Marshall.
The anatomy of a Marshall personal loan
Most loans made to Marshall's 3,810 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Marshall can be quoted different APRs on the same amount and term. Shortening the term on a Marshall loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Which Wisconsin laws govern a loan in Marshall
For the roughly 3,810 residents of Marshall, the rules below are Wisconsin's own; each row carries its publisher and retrieval date.
| 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 Marshall
Before you apply in Marshall, a community of about 3,810, work through these steps:
- Start with the credit file: order the reports, fix the errors, then apply.
- Model the payment on the calculator before a lender models it for you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the lender holds a Wisconsin licence by checking the regulator named above.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Check that the monthly payment fits your budget next to your existing obligations.
In Marshall as elsewhere in Wisconsin, the written terms — not the advertisement — are what count for its 3,810 residents.
Marshall on the map
Marshall's land area is about 2.1 square miles; a further 0.20 square miles is water. Spread across it are roughly 1,778 residents per square mile. For the state's biggest city, Milwaukee, the distance is roughly 56 miles. Within 50 miles of Marshall there are 61 larger Census places. The 100-mile radius contains 239 larger places.
Getting a loan in Marshall
With about 1,778 residents per square mile, Marshall is moderately settled, and 61 larger Census places sit within 50 miles. Whether Marshall has a local branch or not, a Wisconsin-licensed lender can serve its 3,810 people online on the same terms. For a larger market, the closest option is Sun Prairie, WI about 9 miles away.
Common questions
What are my options in Marshall if my credit is poor?
What loan size can I expect in Marshall?
Do I have to pledge anything to borrow in Marshall?
Does comparing loans in Marshall cost me credit score points?
Nearby places
- Waterloo, WI — population 3,611
- Deerfield, WI — population 2,515
- Cottage Grove, WI — population 8,880
- Cambridge, WI — population 1,668
- Columbus, WI — population 5,448
- Sun Prairie, WI — population 37,890
- Lake Mills, WI — population 6,602
- Rockdale, WI — population 204