Personal loans in Muscoda, WI
Muscoda, Wisconsin — home to about 1,262 people — is a small community, so the terms you are offered follow Wisconsin law rather than any local rule. By population, Muscoda sits at 332nd in Wisconsin, with an estimated 1,262 residents. Borrowers who want a bigger city can look to Richland Center, WI about 11 miles away. A 2020-to-2023 comparison shows Muscoda down by about 3.3%. Every figure below is Wisconsin's own, applied to Muscoda's 1,262 residents, with the publisher and retrieval date attached. Use the calculator on this page to price an amount and term before you commit in Muscoda.
The Muscoda data picture
The figures below are Muscoda's own — Census population, land area and coordinates — followed by the Wisconsin rules.
- Population: about 1,262, ranked 332nd of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- Population trend: About 3.3% below the 2020 Census base.
- People gained or lost: about 43 fewer since the 2020 base.
- Size percentile: roughly 45% of Wisconsin places rank below Muscoda.
- Land and density: 1.6 square miles of land carry roughly 788 residents per square mile.
- Land area rank: Muscoda's 1.6 square miles rank 374th of 605 places in Wisconsin.
- State share: roughly 0.0% of Wisconsin's residents live in Muscoda (1,262 people).
- Nationally: Muscoda is the 9,360th-largest of 19,457 Census places in the dataset.
- Growth in Wisconsin: Muscoda stands 581st by percentage change from 2020 to 2023, among 605 places.
- State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Muscoda's 3.3%.
- Density rank: Muscoda is the 308th most densely settled place in Wisconsin.
- Against the state median: Muscoda runs about 788 residents per square mile, where the Wisconsin median is 800.
- Location: coordinates 43.1864, -90.4319 (US Census Bureau Gazetteer).
- Nearest larger cities: Richland Center (11 mi); Boscobel (14 mi); Fennimore (18 mi); Spring Green (18 mi); Dodgeville (22 mi). Lenders licensed in the state serve Muscoda whether or not they keep a local branch.
- Nearest smaller towns: Avoca (5 mi); Blue River (7 mi); Highland (10 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 86 of them.
- Within 100 miles: 181 places are larger than Muscoda.
Where Muscoda sits
The Census Gazetteer records about 1.6 square miles of land within Muscoda, with no significant water area listed. That land carries about 788 people per square mile. For the state's biggest city, Milwaukee, the distance is roughly 125 miles. Within 50 miles of Muscoda there are 39 larger Census places. By land area it ranks 374th of 605 Wisconsin places.
Getting a loan in Muscoda
Muscoda is a moderately settled community of about 1,262 people, with 39 larger places inside a 50-mile radius. A Wisconsin licence lets a lender serve Muscoda without a local office, so branch density does not change what its 1,262 residents are offered. For a larger market, the closest option is Richland Center, WI about 11 miles away.
The Muscoda borrowing checklist
A sensible order of operations for a loan in Muscoda, home to about 1,262 people:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Use the loan calculator to test the payment on your intended amount and term.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the Wisconsin licence with the regulator named above before committing.
- Write down the purpose of the loan and your repayment plan before you apply.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Look for an origination fee or prepayment penalty in the written disclosure.
None of these steps is Muscoda-specific: the same Wisconsin licensing and disclosure rules reach all 1,262 residents.
What shapes a Muscoda personal loan
In Muscoda, a small community of about 1,262, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Muscoda lender to disclose the APR and finance charge before you sign. The term you choose in Muscoda decides the split between a comfortable payment and the total interest you pay.
Wisconsin rules behind a Muscoda personal loan
Every row below records a Wisconsin rule, its publisher and its retrieval date — the same rules a Muscoda 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 |
Common questions
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Nearby places
- Avoca, WI — population 551
- Blue River, WI — population 454
- Highland, WI — population 867
- Richland Center, WI — population 4,944
- Boaz, WI — population 124
- Montfort, WI — population 715
- Lone Rock, WI — population 827
- Cobb, WI — population 483