Personal loans in Walworth, WI

Walworth added about 1.4% to its population between the 2020 base and the 2023 estimate. For a community of about 2,803, the practical step is to compare APR across at least three lenders before committing. When Wisconsin caps or restricts a product, lenders either change the terms or withdraw it from Walworth as from the rest of the state. For a bigger market, look to Williams Bay, WI about 4 miles away.

Walworth: population, trend and location

Walworth is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: 2,803 — Walworth ranks 220th of 605 communities in Wisconsin (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 1.4% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 38 residents.
• Size percentile: bigger than about 64% of the places in Wisconsin, with 2,803 residents in Walworth.
• Population density: 1,629 people per square mile on 1.7 square miles of land.
• Land area rank: Walworth's 1.7 square miles rank 355th of 605 places in Wisconsin.
• Share of state population: Walworth's 2,803 residents are about 0.1% of Wisconsin.
• National rank: Walworth is the 6,493rd most populous of the 19,457 Census places covered here.
• Growth in Wisconsin: Walworth stands 137th by percentage change from 2020 to 2023, among 605 places.
• State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Walworth's 1.4%.
• Density in Wisconsin: Walworth ranks 98th by people per square mile.
• Density in context: Walworth's 1,629 people per square mile sit against a Wisconsin median of 800.
• Location: coordinates 42.5305, -88.5939 (US Census Bureau Gazetteer).
• Nearest larger cities: Williams Bay (4 mi); Harvard (7 mi); Delavan (7 mi); Lake Geneva (9 mi); Elkhorn (10 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Fontana-on-Geneva Lake (2 mi); Sharon (7 mi); Darien (8 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 69 smaller Census places.
• Larger places within 100 miles: 416.

Inside a Walworth personal loan

Walworth is a small community of about 2,803 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 Walworth lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Walworth loan but raises total interest, so the smallest payment is not the cheapest loan.

Which Wisconsin laws govern a loan in Walworth

Below are the Wisconsin rules that apply to a loan made in Walworth, each with the regulator that issued it.

Land, water and location for Walworth

Inside Walworth's boundaries lie about 1.7 square miles of land, with no significant water area recorded. Spread across it are roughly 1,629 residents per square mile. For the state's biggest city, Milwaukee, the distance is roughly 49 miles. Within 50 miles of Walworth there are 180 larger Census places. The 100-mile radius contains 416 larger places.

Where Walworth sits in Wisconsin

Against Wisconsin's other places, Walworth accounts for about 0.1% of the state's population and ranks 220th of 605 by size. For population change between 2020 and 2023, Walworth ranks 137th of 605 in Wisconsin (about the 77th percentile). By density, at about 1,629 people per square mile, it ranks 98th in Wisconsin. By land area, its 1.7 square miles rank 355th of 605 places in Wisconsin.

A practical checklist for Walworth borrowers

For Walworth's roughly 2,803 residents, these are the steps that most influence the offer:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Price the payment first with our personal loan calculator before any lender quotes you.
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. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Make sure the new payment leaves room in a budget you already keep.

What differs between Walworth and the rest of Wisconsin is not the process but the borrower's own file, among the 2,803 people here.