Personal loans in Oakfield, WI
Roughly 1,057 residents live in Oakfield, the 359th-largest community in Wisconsin. Census figures put the 2020-to-2023 increase in Oakfield at about 0.4%. Two households in Oakfield with comparable incomes can still be offered different rates; the city's 1,057 residents are not the reason. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Oakfield's 1,057 residents. For a community of about 1,057, the practical step is to compare APR across at least three lenders before committing. For a bigger market, look to Lomira, WI about 8 miles away.
What the Census records for Oakfield
What follows is Oakfield's place in the Census record, alongside the Wisconsin rules that govern a personal loan made here.
- Population: about 1,057 people live here, which puts Oakfield 359th of 605 Census places in Wisconsin (Vintage 2023).
- Population trend: About 0.4% above the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a gain of about 4 residents.
- Size percentile: about 41% of Wisconsin's Census places are smaller than Oakfield.
- Population density: 1,075 people per square mile on 1.0 square miles of land.
- Land area rank: Oakfield's 1.0 square miles rank 498th of 605 places in Wisconsin.
- Share of state population: Oakfield's 1,057 residents are about 0.0% of Wisconsin.
- National standing: Oakfield ranks 9,999th of 19,457 US places.
- Growth in Wisconsin: Oakfield stands 216th by percentage change from 2020 to 2023, among 605 places.
- Against the state trend: Oakfield's 0.4% change compares with a Wisconsin average of +0.4% across its 605 places.
- Density rank: Oakfield is the 202nd most densely settled place in Wisconsin.
- Density vs Wisconsin: Oakfield's 1,075 people per square mile compare with a state median of 800.
- Location: 43.6841 / -88.5486, per the US Census Bureau Gazetteer.
- Nearest larger cities: Lomira (8 mi); Fond du Lac (8 mi); North Fond du Lac (9 mi); Waupun (10 mi); Theresa (12 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller places: Brownsville (5 mi); Eden (9 mi); Rosendale (11 mi).
- Smaller neighbours: 40 places smaller than Oakfield sit within 50 miles.
- Within 100 miles: 295 places are larger than Oakfield.
Wisconsin rules behind a Oakfield personal loan
Read the table as a lender's compliance picture for Oakfield: the rule, the sourced figure, the publisher and the 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 |
| 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 |
Getting a loan in Oakfield
Oakfield is moderately settled, with about 1,075 people per square mile and 105 larger places within 50 miles. Whether Oakfield has a local branch or not, a Wisconsin-licensed lender can serve its 1,057 people online on the same terms. The nearest larger city, Lomira, WI about 8 miles away.
Oakfield on the map
Inside Oakfield's boundaries lie about 1.0 square miles of land, with no significant water area recorded. The resulting density is about 1,075 people per square mile. For the state's biggest city, Milwaukee, the distance is roughly 52 miles. A 50-mile radius around Oakfield takes in 105 places that are larger. By land area it ranks 498th of 605 Wisconsin places.
Steps to take before a Oakfield loan
These steps shape the offer you get in Oakfield, a place of about 1,057 people:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Model the payment on the calculator before a lender models it for you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the lender holds a Wisconsin licence by checking the regulator named above.
- Weigh a shorter term's higher payment against the interest it saves.
- Borrow only what the purpose requires, not the maximum you are offered.
- Decide the purpose and how you will repay it before approaching any lender.
What differs between Oakfield and the rest of Wisconsin is not the process but the borrower's own file, among the 1,057 people here.
Oakfield against the rest of Wisconsin
Among Wisconsin's 605 places, Oakfield sits at 359th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Oakfield ranks 216th of 605 in Wisconsin (about the 64th percentile). At about 1,075 people per square mile, Oakfield is the 202nd most densely settled place in Wisconsin. The population moved by about 4 people between 2020 and 2023, a 0.4% shift.
Common questions
What are my options in Oakfield if my credit is poor?
What loan size can I expect in Oakfield?
Do I have to pledge anything to borrow in Oakfield?
Does comparing loans in Oakfield cost me credit score points?
Nearby places
- Brownsville, WI — population 649
- Lomira, WI — population 2,680
- Fond du Lac, WI — population 44,300
- North Fond du Lac, WI — population 5,366
- Rosendale, WI — population 1,033
- Eden, WI — population 901
- Mayville, WI — population 5,138
- Kekoskee, WI — population 892