Personal loans in Norwalk, WI
Norwalk is a small community of about 597 residents, and a personal loan taken out here is governed by Wisconsin statute. With 597 residents, Norwalk outranks about 26% of the communities in Wisconsin.
The closest larger place is Cashton, WI about 10 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 2.5%. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Norwalk's 597 residents. Begin with the payment, then weigh APR and total interest across the lenders that reach Norwalk's 597 residents.
Where Norwalk stands
Read the local figures below as context; read the sourced Wisconsin table as the rulebook a lender here must follow.
- Population: about 597 people live here, which puts Norwalk 448th of 605 Census places in Wisconsin (Vintage 2023).
- Population trend: A decline of about 2.5% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a loss of about 15 residents.
- Size percentile: with 597 residents, Norwalk is larger than about 26% of Wisconsin's Census places.
- Population density: 580 people per square mile on 1.0 square miles of land.
- Land area rank: Norwalk's 1.0 square miles rank 480th of 605 places in Wisconsin.
- State share: roughly 0.0% of Wisconsin's residents live in Norwalk (597 people).
- National standing: Norwalk ranks 12,450th of 19,457 US places.
- Growth rank: Norwalk's 2020-to-2023 change ranks 536th of 605 places in Wisconsin.
- State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Norwalk's 2.5%.
- Density in Wisconsin: Norwalk ranks 384th by people per square mile.
- Density in context: Norwalk's 580 people per square mile sit against a Wisconsin median of 800.
- Location: the Census Gazetteer records it at 43.8342, -90.6269.
- Nearest larger cities: Cashton (10 mi); Sparta (12 mi); Tomah (12 mi); Rockland (15 mi); Westby (17 mi). Lenders licensed in the state serve Norwalk whether or not they keep a local branch.
- Nearest smaller towns: Wilton (5 mi); Ontario (8 mi); Melvina (8 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 44 of them.
- At 100 miles: 253 larger Census places fall inside that radius.
Which Wisconsin laws govern a loan in Norwalk
The rows below set out what a licensed lender must follow in Wisconsin, and so for Norwalk's roughly 597 residents.
| 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 |
| 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 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 |
The geography behind Norwalk
Norwalk's land area is roughly 1.0 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 580 people per square mile. Milwaukee, the largest place in Wisconsin, is about 144 miles from Norwalk. Within 50 miles of Norwalk there are 43 larger Census places. Within the same 50 miles lie 44 smaller Census places.
Borrowing reach in Norwalk
With about 580 residents per square mile, Norwalk is moderately settled, and 43 larger Census places sit within 50 miles. Whether Norwalk has a local branch or not, a Wisconsin-licensed lender can serve its 597 people online on the same terms. For a larger market, the closest option is Cashton, WI about 10 miles away.
How a Norwalk personal loan is priced
Norwalk is a small community of about 597 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Norwalk's 597 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Norwalk loan is knowable in advance — unlike a revolving card balance.
Norwalk against the rest of Wisconsin
Within Wisconsin, Norwalk holds roughly 0.0% of all residents, the 448th-largest share among 605 places. For population change between 2020 and 2023, Norwalk ranks 536th of 605 in Wisconsin (about the 11th percentile). At about 580 people per square mile, Norwalk is the 384th most densely settled place in Wisconsin. The population moved by about 15 people between 2020 and 2023, a 2.5% shift.
Common questions
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Nearby places
- Wilton, WI — population 522
- Ontario, WI — population 537
- Melvina, WI — population 93
- Cashton, WI — population 1,167
- Tomah, WI — population 9,452
- Sparta, WI — population 9,842
- La Farge, WI — population 718
- Kendall, WI — population 477