Personal loans in Richfield, WI

To lend to Richfield's 11,841 residents, a company must hold a Wisconsin licence, and each sourced row below names the regulator behind it. At about 11,841 residents, Richfield is larger than roughly 86% of the places in Wisconsin. Rate-shopping from Richfield costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The trend for Richfield between 2020 and 2023 is upward by roughly 0.8%. Borrowers who want a bigger city can look to Germantown, WI about 5 miles away.

Richfield by the numbers

Set out below is Richfield's local context next to the state-level rules that reach every lender here.

• Population: 11,841 people, a figure that places Richfield 82nd among the 605 Census places in Wisconsin (US Census Bureau, Vintage 2023).
• Population trend: Up about 0.8% from the 2020 Census base to the 2023 estimate.
• Change in people: the 2020-to-2023 comparison is a gain of about 99 residents.
• Size percentile: roughly 86% of Wisconsin places rank below Richfield.
• Population density: about 330 people per square mile (Census land area 35.9 sq mi).
• Land area rank: Richfield's 35.9 square miles rank 11th of 605 places in Wisconsin.
• Water area rank: Richfield ranks 65th among Wisconsin's 605 places, with 0.55 sq mi.
• State population share: Richfield accounts for about 0.3% of everyone in Wisconsin.
• National standing: Richfield ranks 2,799th of 19,457 US places.
• Growth rank: Richfield ranks 173rd among Wisconsin's 605 places for the 2020-to-2023 change.
• State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Richfield's 0.8%.
• Density rank: Richfield places 503rd among Wisconsin's places by people per square mile.
• Density vs Wisconsin: Richfield's 330 people per square mile compare with a state median of 800.
• Location: latitude 43.2394, longitude -88.2340 (Census Gazetteer).
• Nearest larger cities: Germantown (5 mi); Sussex (7 mi); Menomonee Falls (8 mi); Hartford (9 mi); Mequon (11 mi). Lenders licensed in the state serve Richfield whether or not they keep a local branch.
• Smaller towns nearby: Jackson (7 mi); Lannon (7 mi); Slinger (7 mi).
• Within a 50-mile radius: 108 smaller Census places.
• Larger places within 100 miles: 159.

Before you apply in Richfield

Before you hand your details to a lender in Richfield, where the population is near 11,841:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Shop at least three lenders and judge them on APR and total cost.
4. Look the lender up in the Wisconsin regulator's licence records before you sign.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Be clear on what the loan is for and how it gets repaid.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

None of these steps is Richfield-specific: the same Wisconsin licensing and disclosure rules reach all 11,841 residents.

Getting a loan in Richfield

Richfield is a lightly settled community of about 11,841 people, with 39 larger places inside a 50-mile radius. A Wisconsin licence lets a lender serve Richfield without a local office, so branch density does not change what its 11,841 residents are offered. The nearest larger city, Germantown, WI about 5 miles away.

Richfield: area, density and distance

The Census Gazetteer records 35.9 square miles of land and 0.55 square miles of water within Richfield. Spread across it are roughly 330 residents per square mile. The largest place in Wisconsin, Milwaukee, lies about 18 miles away. Richfield has 39 larger places within a 50-mile radius. By land area it ranks 11th of 605 Wisconsin places.

What Wisconsin law requires in Richfield

The rows below set out what a licensed lender must follow in Wisconsin, and so for Richfield's roughly 11,841 residents.

The anatomy of a Richfield personal loan

In Richfield, a small town of about 11,841, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Richfield's 11,841 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Richfield loan but raises total interest, so the smallest payment is not the cheapest loan.