Personal loans in Shiocton, WI
A lender serving Shiocton holds a Wisconsin licence and answers to a Wisconsin regulator; no city office is involved for its 939 residents. The Census estimates 939 residents in Shiocton, which ranks it 374th of 605 places in Wisconsin.
Shiocton shed about 0.3% of its population between the 2020 base and the 2023 estimate. Verify the lender's Wisconsin licence against the regulator named below before borrowing in Shiocton. For a bigger market, look to Black Creek, WI about 7 miles away. Consumer lending that reaches Shiocton's 939 residents is governed by Wisconsin statute; no city ordinance changes it.
The Shiocton 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: about 939, ranked 374th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- Population trend: About 0.3% below the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a loss of about 3 residents.
- Size percentile: bigger than about 38% of the places in Wisconsin, with 939 residents in Shiocton.
- Population density: about 600 people per square mile (Census land area 1.6 sq mi).
- Land area rank: Shiocton's 1.6 square miles rank 382nd of 605 places in Wisconsin.
- Water area: Shiocton has 0.10 square miles of water, ranking 186th of 605 places in Wisconsin.
- State share: roughly 0.0% of Wisconsin's residents live in Shiocton (939 people).
- National rank: Shiocton is 10,504th of 19,457 places nationwide.
- Growth rank: Shiocton ranks 309th among Wisconsin's 605 places for the 2020-to-2023 change.
- State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Shiocton's 0.3%.
- Density rank: Shiocton is the 377th most densely settled place in Wisconsin.
- Density in context: Shiocton's 600 people per square mile sit against a Wisconsin median of 800.
- Location: 44.4450, -88.5764 (Census Gazetteer coordinates).
- Nearest larger cities: Black Creek (7 mi); Hortonville (8 mi); New London (9 mi); Greenville (11 mi); Seymour (13 mi). Lenders licensed in the state serve Shiocton whether or not they keep a local branch.
- Smaller communities within reach: Bear Creek (10 mi); Nichols (10 mi); Embarrass (17 mi).
- Smaller places within 50 miles: 38 of them.
- At 100 miles: 199 larger Census places fall inside that radius.
The state rulebook for Shiocton
The rows below set out what a licensed lender must follow in Wisconsin, and so for Shiocton's roughly 939 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Wisconsin 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 licensing | Licensed 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 |
Shiocton in state context
Within Wisconsin, Shiocton holds roughly 0.0% of all residents, the 374th-largest share among 605 places. For population change between 2020 and 2023, Shiocton ranks 309th of 605 in Wisconsin (about the 49th percentile). Its roughly 600 residents per square mile place it 377th among Wisconsin's places. In land area, Shiocton ranks 382nd among Wisconsin's 605 places.
Shiocton: area, density and distance
Inside Shiocton's boundaries lie roughly 1.6 square miles of land and 0.10 square miles of water. Spread across it are roughly 600 residents per square mile. The largest place in Wisconsin, Milwaukee, lies about 100 miles away. Counting outward 50 miles, 63 larger communities surround Shiocton. The 100-mile radius contains 199 larger places.
How lenders reach Shiocton
At roughly 600 people per square mile, Shiocton is moderately settled; 63 larger places lie within 50 miles. A Wisconsin licence lets a lender serve Shiocton without a local office, so branch density does not change what its 939 residents are offered. The nearest larger city, Black Creek, WI about 7 miles away.
The Shiocton borrowing checklist
These steps shape the offer you get in Shiocton, a place of about 939 people:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Use the loan calculator to test the payment on your intended amount and term.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's Wisconsin licence with the regulator listed on this page.
- Be clear on what the loan is for and how it gets repaid.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Look for an origination fee or prepayment penalty in the written disclosure.
None of these steps is Shiocton-specific: the same Wisconsin licensing and disclosure rules reach all 939 residents.
Common questions
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Nearby places
- Hortonville, WI — population 3,364
- Black Creek, WI — population 1,341
- Nichols, WI — population 285
- Greenville, WI — population 13,286
- New London, WI — population 7,398
- Bear Creek, WI — population 421
- Fox Crossing, WI — population 18,947
- Clintonville, WI — population 4,529