Personal loans in Ontario, WI
To lend to Ontario's 537 residents, a company must hold a Wisconsin licence, and each sourced row below names the regulator behind it.
The first question in Ontario is not the rate on offer but whether the payment fits; about 537 people live here under Wisconsin lending law. Ontario ranks 463rd of 605 places in Wisconsin, with a population near 537. Population in Ontario climbed about 0.4% over the three years from 2020 to 2023. Decide the purpose of the loan and your repayment plan before sharing any details with a Ontario lender. The nearest larger metro is Norwalk, WI about 8 miles away.
Ontario by the numbers
What follows is Ontario's place in the Census record, alongside the Wisconsin rules that govern a personal loan made here.
- Population: 537 — Ontario ranks 463rd of 605 communities in Wisconsin (US Census Bureau, Vintage 2023).
- Population trend: Roughly 0.4% more residents than the 2020 Census counted.
- Absolute change: 2 residents added between 2020 and 2023.
- Size percentile: about 23% of Wisconsin's Census places are smaller than Ontario.
- Population density: 535 people per square mile on 1.0 square miles of land.
- By land area: Ontario ranks 487th among Wisconsin's 605 places, at 1.0 sq mi.
- State share: roughly 0.0% of Wisconsin's residents live in Ontario (537 people).
- Nationally: Ontario is the 12,877th-largest of 19,457 Census places in the dataset.
- Growth rank: Ontario's 2020-to-2023 change ranks 219th of 605 places in Wisconsin.
- Against the state trend: Ontario's 0.4% change compares with a Wisconsin average of +0.4% across its 605 places.
- Density rank: Ontario is the 406th most densely settled place in Wisconsin.
- Against the state median: Ontario runs about 535 residents per square mile, where the Wisconsin median is 800.
- Location: mapped by the US Census Bureau at 43.7219, -90.5932.
- Nearest larger cities: Norwalk (8 mi); Cashton (10 mi); La Farge (10 mi); Hillsboro (14 mi); Westby (14 mi). Online lenders reach Ontario no matter how far the nearest branch is.
- Nearest smaller towns: Wilton (7 mi); Melvina (11 mi); Kendall (12 mi).
- Smaller places within 50 miles: 36 of them.
- Within 100 miles: 264 places are larger than Ontario.
Ontario's place among Wisconsin's 605 places
Ontario is the 463rd-largest of 605 Census places in Wisconsin and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 219th of 605 Wisconsin places, putting it near the 64th percentile for growth. At about 535 people per square mile, Ontario is the 406th most densely settled place in Wisconsin. In land area, Ontario ranks 487th among Wisconsin's 605 places.
Inside a Ontario personal loan
Most loans made to Ontario's 537 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Ontario's rank of 463rd in Wisconsin: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Ontario loan but raises total interest, so the smallest payment is not the cheapest loan.
The state rulebook for Ontario
Read the table as a lender's compliance picture for Ontario: 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 |
| 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 |
| 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 |
Lender access in Ontario
With about 535 residents per square mile, Ontario is moderately settled, and 50 larger Census places sit within 50 miles. Distance to a branch rarely matters for Ontario's 537 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Norwalk, WI about 8 miles away.
Land, water and location for Ontario
Inside Ontario's boundaries lie about 1.0 square miles of land, with no significant water area recorded. The resulting density is about 535 people per square mile. The largest place in Wisconsin, Milwaukee, lies about 139 miles away. Ontario has 50 larger places within a 50-mile radius. Within the same 50 miles lie 36 smaller Census places.
Common questions
What are my options in Ontario if my credit is poor?
What loan size can I expect in Ontario?
Do I have to pledge anything to borrow in Ontario?
Does comparing loans in Ontario cost me credit score points?
Nearby places
- Wilton, WI — population 522
- Norwalk, WI — population 597
- La Farge, WI — population 718
- Cashton, WI — population 1,167
- Melvina, WI — population 93
- Viola, WI — population 803
- Kendall, WI — population 477
- Yuba, WI — population 51