Personal loans in Oostburg, WI
The Census estimates 3,101 residents in Oostburg, which ranks it 209th of 605 places in Wisconsin. Oostburg is a small community in Wisconsin, with an estimated 3,101 residents, and every licensed lender here follows the same state rulebook. A 2020-to-2023 comparison shows Oostburg up by about 1.4%. Compare APR, not the interest rate, because the APR folds in most fees on a Oostburg loan. Lenders active in Oostburg report to a Wisconsin supervisor, identified in the sourced rows below. The closest larger city is Sheboygan Falls, WI about 8 miles away.
Where Oostburg stands
The figures below are Oostburg's own — Census population, land area and coordinates — followed by the Wisconsin rules.
- Population: 3,101 — Oostburg ranks 209th of 605 communities in Wisconsin (US Census Bureau, Vintage 2023).
- Population trend: Roughly 1.4% more residents than the 2020 Census counted.
- People gained or lost: about 44 more since the 2020 base.
- Size percentile: roughly 65% of Wisconsin's places have fewer residents than Oostburg's 3,101.
- Density: the Census land area of 2.0 sq mi holds about 1,531 people per square mile.
- Land area rank: Oostburg's 2.0 square miles rank 317th of 605 places in Wisconsin.
- State population share: Oostburg accounts for about 0.1% of everyone in Wisconsin.
- National standing: Oostburg ranks 6,175th of 19,457 US places.
- Growth rank: Oostburg ranks 132nd among Wisconsin's 605 places for the 2020-to-2023 change.
- Versus Wisconsin: the state average change is +0.4%, while Oostburg moved 1.4%.
- Density rank: Oostburg is the 113th most densely settled place in Wisconsin.
- Density vs Wisconsin: Oostburg's 1,531 people per square mile compare with a state median of 800.
- Location: 43.6241, -87.7881 (US Census Bureau Gazetteer).
- Nearest larger cities: Sheboygan Falls (8 mi); Sheboygan (8 mi); Plymouth (12 mi); Howards Grove (14 mi); Port Washington (17 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Cedar Grove (4 mi); Adell (8 mi); Kohler (8 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 45 smaller Census places.
- At 100 miles: 204 larger Census places fall inside that radius.
A pre-application checklist for Oostburg
Before you apply in Oostburg, a community of about 3,101, work through these steps:
- Start with the credit file: order the reports, fix the errors, then apply.
- Test your amount and term in the personal loan calculator first.
- Line up several pre-qualified offers and let the APR decide.
- Look the lender up in the Wisconsin regulator's licence records before you sign.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- 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.
None of these steps is Oostburg-specific: the same Wisconsin licensing and disclosure rules reach all 3,101 residents.
The Wisconsin lending rules that reach Oostburg
The rows below set out what a licensed lender must follow in Wisconsin, and so for Oostburg's roughly 3,101 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 |
| 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 |
Oostburg in state context
Among Wisconsin's 605 places, Oostburg sits at 209th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Oostburg stands 132nd among Wisconsin's 605 places — roughly the 78th percentile. Its roughly 1,531 residents per square mile place it 113th among Wisconsin's places. Within 50 miles sit 45 smaller Census places, alongside the 57 that are larger.
Where Oostburg sits
The Census Gazetteer records about 2.0 square miles of land within Oostburg, with no significant water area listed. That land carries about 1,531 people per square mile. The largest place in Wisconsin, Milwaukee, lies about 40 miles away. Counting outward 50 miles, 57 larger communities surround Oostburg. The 100-mile radius contains 204 larger places.
Getting a loan in Oostburg
Oostburg is a moderately settled community of about 3,101 people, with 57 larger places inside a 50-mile radius. Lenders licensed in Wisconsin reach Oostburg's 3,101 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Sheboygan Falls, WI about 8 miles away.
Common questions
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Nearby places
- Cedar Grove, WI — population 2,108
- Sheboygan Falls, WI — population 8,187
- Kohler, WI — population 2,235
- Sheboygan, WI — population 49,686
- Belgium, WI — population 2,495
- Adell, WI — population 491
- Waldo, WI — population 478
- Random Lake, WI — population 1,574