Personal loans in Shullsburg, WI

Shullsburg is a small community of about 1,192 residents, and a personal loan taken out here is governed by Wisconsin statute. Population in Shullsburg climbed about 1.7% over the three years from 2020 to 2023.

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.

About 1,192 people live in Shullsburg, placing it 338th of 605 Census places in Wisconsin. Begin with the payment, then weigh APR and total interest across the lenders that reach Shullsburg's 1,192 residents. Which products a lender may offer to Shullsburg's 1,192 residents follows from the Wisconsin consumer-lending framework. The nearest larger city is Darlington, WI about 9 miles away.

Shullsburg: population, trend and location

Two layers matter for a Shullsburg borrower: the local population picture and Wisconsin's consumer-lending statutes.

Shullsburg on the map

Shullsburg covers about 1.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 1,192 residents, the land area yields roughly 895 people per square mile. Milwaukee, the largest place in Wisconsin, is about 120 miles from Shullsburg. Counting outward 50 miles, 49 larger communities surround Shullsburg. Within the same 50 miles lie 85 smaller Census places.

Shullsburg's place among Wisconsin's 605 places

Shullsburg is the 338th-largest of 605 Census places in Wisconsin and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 112th of 605 Wisconsin places, putting it near the 81th percentile for growth. By density, at about 895 people per square mile, it ranks 262nd in Wisconsin. By land area, its 1.3 square miles rank 420th of 605 places in Wisconsin.

Which Wisconsin laws govern a loan in Shullsburg

Every row below records a Wisconsin rule, its publisher and its retrieval date — the same rules a Shullsburg lender must follow.

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
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
Payday lending statusLegal and licensed by the DFI Division of Banking; statewide database tracking (Wis. Stat. § 138.14)
Source says: "Licensee" means a person holding a license issued by the division under sub. (5)
Wisconsin State Legislature
as of 2026-09-16

Getting a loan in Shullsburg

Shullsburg is a moderately settled community of about 1,192 people, with 49 larger places inside a 50-mile radius. Distance to a branch rarely matters for Shullsburg's 1,192 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Darlington, WI about 9 miles away.

Inside a Shullsburg personal loan

Most loans made to Shullsburg's 1,192 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Shullsburg loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Shullsburg 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 Shullsburg 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 Shullsburg is the same as anywhere in Wisconsin.
What loan size can I expect in Shullsburg?
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 Shullsburg?
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 Shullsburg 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.

Nearby places

Related