Personal loans in Salem Lakes, WI

The Salem Lakes data picture

Only a few things actually differ by place — population, area, location, and the Wisconsin rules a lender must follow — and they are below.

• Population: a Census-estimated 14,367, 66th among Wisconsin's 605 places (Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 1.6%.
• Absolute change: 237 residents lost between 2020 and 2023.
• Size percentile: bigger than about 89% of the places in Wisconsin, with 14,367 residents in Salem Lakes.
• Land and density: 30.4 square miles of land carry roughly 473 residents per square mile.
• Land area rank: Salem Lakes's 30.4 square miles rank 28th of 605 places in Wisconsin.
• Water area rank: Salem Lakes ranks 12th among Wisconsin's 605 places, with 2.81 sq mi.
• State population share: Salem Lakes accounts for about 0.3% of everyone in Wisconsin.
• National rank: Salem Lakes is 2,440th of 19,457 places nationwide.
• Growth in Wisconsin: Salem Lakes stands 476th by percentage change from 2020 to 2023, among 605 places.
• State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Salem Lakes's 1.6%.
• Density rank: Salem Lakes places 432nd among Wisconsin's places by people per square mile.
• Against the state median: Salem Lakes runs about 473 residents per square mile, where the Wisconsin median is 800.
• Location: 42.5365, -88.1332 (Census Gazetteer coordinates).
• Nearest larger cities: Antioch (5 mi); Round Lake Beach (11 mi); Pleasant Prairie (12 mi); Kenosha (13 mi); Round Lake (13 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller places: Paddock Lake (3 mi); Twin Lakes (6 mi); Bristol (6 mi).
• Smaller places within 50 miles: 164 of them.
• Larger places within 100 miles: 190.

What shapes a Salem Lakes personal loan

Salem Lakes is a small town of about 14,367 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Salem Lakes lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Salem Lakes loan is knowable in advance — unlike a revolving card balance.

Wisconsin consumer-lending rules applied in Salem Lakes

Wisconsin has no separate rate rule for Salem Lakes; the sourced rows below are what reach every lender that serves its 14,367 people.

Getting a loan in Salem Lakes

Salem Lakes is a lightly settled community of about 14,367 people, with 102 larger places inside a 50-mile radius. Distance to a branch rarely matters for Salem Lakes's 14,367 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Antioch, IL about 5 miles away.

The Salem Lakes borrowing checklist

These steps shape the offer you get in Salem Lakes, a place of about 14,367 people:

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. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Wisconsin regulator's records to confirm the lender is licensed here.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Make sure the new payment leaves room in a budget you already keep.

The process is identical across Wisconsin; what changes is your credit file, not the fact that Salem Lakes holds 14,367 people.

How Salem Lakes compares across Wisconsin

Set beside Wisconsin's 605 places, Salem Lakes ranks 66th by population and holds about 0.3% of the state total. For population change between 2020 and 2023, Salem Lakes ranks 476th of 605 in Wisconsin (about the 21th percentile). At about 473 people per square mile, Salem Lakes is the 432nd most densely settled place in Wisconsin. In land area, Salem Lakes ranks 28th among Wisconsin's 605 places.