Personal loans in Prescott, WI

Where Prescott stands

Here is the sourced Census picture for Prescott, plus the Wisconsin lending rules that apply to a loan taken out here.

• Population: 4,485 residents; Prescott is the 160th-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 3.5% from 2020 to 2023.
• Net change: roughly 150 more people than the 2020 Census counted.
• Size percentile: roughly 74% of Wisconsin's places have fewer residents than Prescott's 4,485.
• Population density: about 1,583 people per square mile (Census land area 2.8 sq mi).
• By land area: Prescott ranks 247th among Wisconsin's 605 places, at 2.8 sq mi.
• Water: Prescott holds about 0.37 square miles, the 89th-largest water area in Wisconsin.
• State share: roughly 0.1% of Wisconsin's residents live in Prescott (4,485 people).
• National rank: Prescott is 5,156th of 19,457 places nationwide.
• Growth rank: Prescott's 2020-to-2023 change ranks 57th of 605 places in Wisconsin.
• Against the state trend: Prescott's 3.5% change compares with a Wisconsin average of +0.4% across its 605 places.
• Density rank: Prescott is the 101st most densely settled place in Wisconsin.
• Density vs Wisconsin: Prescott's 1,583 people per square mile compare with a state median of 800.
• Location: it lies at 44.7534, -92.7890 in the Census Gazetteer.
• Nearest larger cities: Hastings (4 mi); Cottage Grove (7 mi); River Falls (11 mi); St. Paul Park (12 mi); Woodbury (12 mi). A branch is convenient; it is not what sets your APR.
• Smaller communities close by: Afton (10 mi); Vermillion (10 mi); Miesville (11 mi), each with its own Census population profile.
• Smaller neighbours: 102 places smaller than Prescott sit within 50 miles.
• Within 100 miles: 146 places are larger than Prescott.

How a Prescott personal loan is priced

With roughly 4,485 residents, Prescott is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Prescott can be quoted different APRs on the same amount and term. The term you choose in Prescott decides the split between a comfortable payment and the total interest you pay.

Prescott against the rest of Wisconsin

Within Wisconsin, Prescott holds roughly 0.1% of all residents, the 160th-largest share among 605 places. Its 2020-to-2023 change ranks 57th of 605 Wisconsin places, putting it near the 91th percentile for growth. Its roughly 1,583 residents per square mile place it 101st among Wisconsin's places. Within 50 miles sit 102 smaller Census places, alongside the 101 that are larger.

How Wisconsin law applies in Prescott

Wisconsin has no separate rate rule for Prescott; the sourced rows below are what reach every lender that serves its 4,485 people.

A practical checklist for Prescott borrowers

Before you apply in Prescott, a community of about 4,485, work through these steps:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the Wisconsin licence with the regulator named above before committing.
5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Be clear on what the loan is for and how it gets repaid.

In Prescott as elsewhere in Wisconsin, the written terms — not the advertisement — are what count for its 4,485 residents.

Land, water and location for Prescott

The Census Gazetteer records 2.8 square miles of land and 0.37 square miles of water within Prescott. Spread across it are roughly 1,583 residents per square mile. For the state's biggest city, Milwaukee, the distance is roughly 267 miles. Prescott has 101 larger places within a 50-mile radius. Within the same 50 miles lie 102 smaller Census places.