Personal loans in Turtle Lake, WI
A 2020-to-2023 comparison shows Turtle Lake down by about 0.2%. Turtle Lake is one of 605 Census places in Wisconsin; its 1,037 residents put it at 361st.
The roughly 1,037 people who live in Turtle Lake borrow under Wisconsin rules; city hall sets no personal-loan rate. Price two or three terms so you can see which payment is truly affordable in Turtle Lake. Lenders active in Turtle Lake report to a Wisconsin supervisor, identified in the sourced rows below. The closest larger city is Clear Lake, WI about 11 miles away.
Turtle Lake by the numbers
Turtle Lake is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 1,037 people, a figure that places Turtle Lake 361st among the 605 Census places in Wisconsin (US Census Bureau, Vintage 2023).
- Population trend: About 0.2% below the 2020 Census base.
- Absolute change: 2 residents lost between 2020 and 2023.
- Size percentile: roughly 40% of Wisconsin places rank below Turtle Lake.
- Population density: 360 people per square mile on 2.9 square miles of land.
- Land area rank: Turtle Lake's 2.9 square miles rank 243rd of 605 places in Wisconsin.
- Water area rank: Turtle Lake ranks 156th among Wisconsin's 605 places, with 0.14 sq mi.
- State share: roughly 0.0% of Wisconsin's residents live in Turtle Lake (1,037 people).
- Nationally: Turtle Lake is the 10,073rd-largest of 19,457 Census places in the dataset.
- Growth rank: Turtle Lake ranks 294th among Wisconsin's 605 places for the 2020-to-2023 change.
- Against the state trend: Turtle Lake's 0.2% change compares with a Wisconsin average of +0.4% across its 605 places.
- Density rank: Turtle Lake is the 490th most densely settled place in Wisconsin.
- Density vs Wisconsin: Turtle Lake's 360 people per square mile compare with a state median of 800.
- Location: 45.3906 / -92.1498, per the US Census Bureau Gazetteer.
- Nearest larger cities: Clear Lake (11 mi); Cumberland (12 mi); Amery (12 mi); Barron (15 mi); Luck (20 mi). Lenders licensed in the state serve Turtle Lake whether or not they keep a local branch.
- Smaller places nearby: Clayton (4 mi); Almena (6 mi); Prairie Farm (13 mi).
- Within a 50-mile radius: 35 smaller Census places.
- At 100 miles: 251 larger Census places fall inside that radius.
What shapes a Turtle Lake personal loan
With roughly 1,037 residents, Turtle Lake is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Turtle Lake's 1,037 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Turtle Lake loan but raises total interest, so the smallest payment is not the cheapest loan.
Steps to take before a Turtle Lake loan
Before you hand your details to a lender in Turtle Lake, where the population is near 1,037:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Test your amount and term in the personal loan calculator first.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the lender holds a Wisconsin licence by checking the regulator named above.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Keep the amount to the expense; an approval is not a reason to take more.
- Write down the purpose of the loan and your repayment plan before you apply.
None of these steps is Turtle Lake-specific: the same Wisconsin licensing and disclosure rules reach all 1,037 residents.
What Wisconsin law requires in Turtle Lake
Read the table as a lender's compliance picture for Turtle Lake: the rule, the sourced figure, the publisher and the date.
| 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 |
Where Turtle Lake sits in Wisconsin
Within Wisconsin, Turtle Lake holds roughly 0.0% of all residents, the 361st-largest share among 605 places. On the 2020-to-2023 trend, Turtle Lake stands 294th among Wisconsin's 605 places — roughly the 51th percentile. At about 360 people per square mile, Turtle Lake is the 490th most densely settled place in Wisconsin. The population moved by about 2 people between 2020 and 2023, a 0.2% shift.
Getting a loan in Turtle Lake
Turtle Lake is a lightly settled community of about 1,037 people, with 61 larger places inside a 50-mile radius. What is available to Turtle Lake's 1,037 borrowers is set by Wisconsin licensing and your own credit, not by how many branches are nearby. The nearest larger city, Clear Lake, WI about 11 miles away.
Common questions
What are my options in Turtle Lake if my credit is poor?
What loan size can I expect in Turtle Lake?
Do I have to pledge anything to borrow in Turtle Lake?
Does comparing loans in Turtle Lake cost me credit score points?
Nearby places
- Clayton, WI — population 546
- Almena, WI — population 704
- Clear Lake, WI — population 1,102
- Cumberland, WI — population 2,304
- Prairie Farm, WI — population 492
- Amery, WI — population 2,956
- Balsam Lake, WI — population 922
- Barron, WI — population 3,663