Personal loans in Random Lake, WI

A lender serving Random Lake holds a Wisconsin licence and answers to a Wisconsin regulator; no city office is involved for its 1,574 residents.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Random Lake is home to roughly 1,574 people and stands 293rd by size out of 605 Census places in Wisconsin. Read the disclosure for an origination fee and any prepayment penalty before signing in Random Lake. Census figures put the 2020-to-2023 increase in Random Lake at about 0.9%. For the 1,574 people in Random Lake, Wisconsin runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. A larger market lies at Fredonia, WI about 6 miles away.

Borrowing in Random Lake: the local picture

What follows is Random Lake's place in the Census record, alongside the Wisconsin rules that govern a personal loan made here.

Getting a loan in Random Lake

With about 1,044 residents per square mile, Random Lake is moderately settled, and 83 larger Census places sit within 50 miles. Lenders licensed in Wisconsin reach Random Lake's 1,574 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Fredonia, WI about 6 miles away.

Where Random Lake sits

Random Lake's land area is about 1.5 square miles; a further 0.34 square miles is water. With 1,574 residents, the land area yields roughly 1,044 people per square mile. Milwaukee, the largest place in Wisconsin, is about 34 miles from Random Lake. Within 50 miles of Random Lake there are 83 larger Census places. By land area it ranks 390th of 605 Wisconsin places.

Random Lake in state context

Among Wisconsin's 605 places, Random Lake sits at 293rd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Random Lake stands 168th among Wisconsin's 605 places — roughly the 72th percentile. Its roughly 1,044 residents per square mile place it 210th among Wisconsin's places. In land area, Random Lake ranks 390th among Wisconsin's 605 places.

Which Wisconsin laws govern a loan in Random Lake

These are Wisconsin's sourced lending facts as they reach Random Lake's 1,574 residents; the state has no city-level rate rule.

RuleDetailSource
State lending regulatorWisconsin 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 licensingLicensed 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

The anatomy of a Random Lake personal loan

With roughly 1,574 residents, Random Lake is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Random Lake. Because the payment is fixed, the total cost of a Random Lake loan is knowable in advance — unlike a revolving card balance.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Random Lake if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Random Lake is the same as anywhere in Wisconsin.
What loan size can I expect in Random Lake?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Random Lake?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Random Lake cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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