Personal loans in Mineral Point, WI

When Wisconsin caps or restricts a product, lenders either change the terms or withdraw it from Mineral Point as from the rest of the state. The first question in Mineral Point is not the rate on offer but whether the payment fits; about 2,563 people live here under Wisconsin lending law. By population, Mineral Point sits at 228th in Wisconsin, with an estimated 2,563 residents. Mineral Point shed about 0.7% of its population between the 2020 base and the 2023 estimate. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Mineral Point loan. For a bigger market, look to Dodgeville, WI about 8 miles away.

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.

Mineral Point by the numbers

Set out below is Mineral Point's local context next to the state-level rules that reach every lender here.

Mineral Point against the rest of Wisconsin

Among Wisconsin's 605 places, Mineral Point sits at 228th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Mineral Point stands 365th among Wisconsin's 605 places — roughly the 40th percentile. Its roughly 818 residents per square mile place it 292nd among Wisconsin's places. Within 50 miles sit 101 smaller Census places, alongside the 33 that are larger.

What a Mineral Point borrower is actually offered

With roughly 2,563 residents, Mineral Point is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Mineral Point's rank of 228th in Wisconsin: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Mineral Point loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Wisconsin rules behind a Mineral Point personal loan

The rows below set out what a licensed lender must follow in Wisconsin, and so for Mineral Point's roughly 2,563 residents.

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

Mineral Point on the map

Mineral Point covers about 3.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 2,563 residents, the land area yields roughly 818 people per square mile. The state's population centre of gravity, Milwaukee, is roughly 113 miles away. Within 50 miles of Mineral Point there are 33 larger Census places. Within the same 50 miles lie 101 smaller Census places.

Borrowing reach in Mineral Point

Mineral Point is moderately settled, with about 818 people per square mile and 33 larger places within 50 miles. Distance to a branch rarely matters for Mineral Point's 2,563 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Dodgeville, WI about 8 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 Mineral Point 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 Mineral Point is the same as anywhere in Wisconsin.
What loan size can I expect in Mineral Point?
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 Mineral Point?
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 Mineral Point 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.

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