Personal loans in Rothschild, WI

Rothschild is a small town in Wisconsin, with an estimated 5,514 residents, and every licensed lender here follows the same state rulebook. At about 5,514 residents, Rothschild is larger than roughly 76% of the places in Wisconsin.

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.

From the 2020 Census base to the 2023 estimate, the population declined by about 0.8%. For the 5,514 people in Rothschild, Wisconsin runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. For a community of about 5,514, the practical step is to compare APR across at least three lenders before committing. A larger market lies at Weston, WI about 4 miles away.

Local context for Rothschild

Read the local figures below as context; read the sourced Wisconsin table as the rulebook a lender here must follow.

The Wisconsin lending rules that reach Rothschild

When Wisconsin does not publish a figure, the row links to the source instead of inventing a number; Rothschild is bound by the same rules.

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 Rothschild borrowing checklist

Before you apply in Rothschild, a community of about 5,514, work through these steps:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the lender holds a Wisconsin licence by checking the regulator named above.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Write down the purpose of the loan and your repayment plan before you apply.

What differs between Rothschild and the rest of Wisconsin is not the process but the borrower's own file, among the 5,514 people here.

What is available to Rothschild borrowers

Rothschild is moderately settled, with about 842 people per square mile and 10 larger places within 50 miles. Lenders licensed in Wisconsin reach Rothschild's 5,514 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Weston, WI about 4 miles away.

Rothschild on the map

Inside Rothschild's boundaries lie roughly 6.5 square miles of land and 0.38 square miles of water. Spread across it are roughly 842 residents per square mile. For the state's biggest city, Milwaukee, the distance is roughly 150 miles. Counting outward 50 miles, 10 larger communities surround Rothschild. Within the same 50 miles lie 62 smaller Census places.

Rothschild in state context

Rothschild is the 144th-largest of 605 Census places in Wisconsin and contains about 0.1% of the state's people. For population change between 2020 and 2023, Rothschild ranks 370th of 605 in Wisconsin (about the 39th percentile). At about 842 people per square mile, Rothschild is the 283rd most densely settled place in Wisconsin. Between 2020 and 2023 the count changed by roughly 46 residents.

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 Rothschild 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 Rothschild is the same as anywhere in Wisconsin.
What loan size can I expect in Rothschild?
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 Rothschild?
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 Rothschild 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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