Personal loans in Melrose, WI
From the 2020 Census base to the 2023 estimate, the population declined by about 2.7%. With roughly 531 residents, Melrose is a small community, and the lending rules its borrowers live under are written in Wisconsin, not by the city. Roughly 531 residents live in Melrose, the 468th-largest community in Wisconsin. For a bigger market, look to Black River Falls, WI about 14 miles away. When Wisconsin caps or restricts a product, lenders either change the terms or withdraw it from Melrose as from the rest of the state. Rate-shopping from Melrose costs nothing at pre-qualification, where a soft pull leaves your credit file alone.
Melrose: population, trend and location
Two layers matter for a Melrose borrower: the local population picture and Wisconsin's consumer-lending statutes.
- Population: 531 residents; Melrose is the 468th-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 2.7% since the 2020 count.
- People gained or lost: about 15 fewer since the 2020 base.
- Size percentile: with 531 residents, Melrose is larger than about 23% of Wisconsin's Census places.
- Density: the Census land area of 0.8 sq mi holds about 663 people per square mile.
- Land area rank: Melrose's 0.8 square miles rank 536th of 605 places in Wisconsin.
- Water area rank: Melrose ranks 271st among Wisconsin's 605 places, with 0.03 sq mi.
- Share of state population: Melrose's 531 residents are about 0.0% of Wisconsin.
- National rank: Melrose is the 12,923rd most populous of the 19,457 Census places covered here.
- Growth rank: Melrose's 2020-to-2023 change ranks 557th of 605 places in Wisconsin.
- Versus Wisconsin: the state average change is +0.4%, while Melrose moved 2.7%.
- Density rank: Melrose is the 353rd most densely settled place in Wisconsin.
- Density in context: Melrose's 663 people per square mile sit against a Wisconsin median of 800.
- Location: mapped by the US Census Bureau at 44.1312, -90.9969.
- Nearest larger cities: Black River Falls (14 mi); Rockland (16 mi); Sparta (16 mi); Bangor (16 mi); West Salem (17 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities close by: Ettrick (14 mi); Taylor (15 mi); Hixton (17 mi), each with its own Census population profile.
- Within a 50-mile radius: 28 smaller Census places.
- At 100 miles: 232 larger Census places fall inside that radius.
Which Wisconsin laws govern a loan in Melrose
Every row below records a Wisconsin rule, its publisher and its retrieval date — the same rules a Melrose lender must follow.
| 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 |
| Payday lending status | Legal 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 |
| 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 |
Getting a loan in Melrose
At roughly 663 people per square mile, Melrose is moderately settled; 56 larger places lie within 50 miles. Whether Melrose has a local branch or not, a Wisconsin-licensed lender can serve its 531 people online on the same terms. The nearest larger city, Black River Falls, WI about 14 miles away.
How personal loans work in Melrose
Most loans made to Melrose's 531 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Melrose can be quoted different APRs on the same amount and term. Shortening the term on a Melrose loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Where Melrose sits
The Census Gazetteer records 0.8 square miles of land and 0.03 square miles of water within Melrose. With 531 residents, the land area yields roughly 663 people per square mile. The state's population centre of gravity, Milwaukee, is roughly 169 miles away. Counting outward 50 miles, 56 larger communities surround Melrose. By land area it ranks 536th of 605 Wisconsin places.
Melrose in state context
Melrose is the 468th-largest of 605 Census places in Wisconsin and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Melrose stands 557th among Wisconsin's 605 places — roughly the 8th percentile. By density, at about 663 people per square mile, it ranks 353rd in Wisconsin. The population moved by about 15 people between 2020 and 2023, a 2.7% shift.
Common questions
What are my options in Melrose if my credit is poor?
What loan size can I expect in Melrose?
Do I have to pledge anything to borrow in Melrose?
Does comparing loans in Melrose cost me credit score points?
Nearby places
- Taylor, WI — population 468
- Black River Falls, WI — population 3,587
- Bangor, WI — population 1,461
- Rockland, WI — population 778
- West Salem, WI — population 5,298
- Hixton, WI — population 438
- Sparta, WI — population 9,842
- Ettrick, WI — population 521