Personal loans in Wisconsin Dells, WI
Lenders active in Wisconsin Dells report to a Wisconsin supervisor, identified in the sourced rows below. The first question in Wisconsin Dells is not the rate on offer but whether the payment fits; about 3,344 people live here under Wisconsin lending law. The Census estimates 3,344 residents in Wisconsin Dells, which ranks it 198th of 605 places in Wisconsin. Census figures put the 2020-to-2023 increase in Wisconsin Dells at about 13.5%. Compare APR, not the interest rate, because the APR folds in most fees on a Wisconsin Dells loan. The nearest larger metro is Lake Delton, WI about 3 miles away.
Borrowing in Wisconsin Dells: the local picture
Set out below is Wisconsin Dells's local context next to the state-level rules that reach every lender here.
- Population: an estimated 3,344 residents, 198th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- Population trend: Up about 13.5% from the 2020 Census base to the 2023 estimate.
- Absolute change: 397 residents added between 2020 and 2023.
- Size percentile: roughly 67% of Wisconsin's places have fewer residents than Wisconsin Dells's 3,344.
- Population density: about 427 people per square mile across 7.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Wisconsin Dells covers 7.8 square miles, the 96th-largest area among Wisconsin's 605 places.
- Water area rank: Wisconsin Dells ranks 97th among Wisconsin's 605 places, with 0.34 sq mi.
- Share of state population: Wisconsin Dells's 3,344 residents are about 0.1% of Wisconsin.
- National rank: Wisconsin Dells is 5,955th of 19,457 places nationwide.
- Growth rank: Wisconsin Dells's 2020-to-2023 change ranks 7th of 605 places in Wisconsin.
- Against the state trend: Wisconsin Dells's 13.5% change compares with a Wisconsin average of +0.4% across its 605 places.
- Density rank: Wisconsin Dells is the 455th most densely settled place in Wisconsin.
- Against the state median: Wisconsin Dells runs about 427 residents per square mile, where the Wisconsin median is 800.
- Location: the Census Gazetteer records it at 43.6384, -89.7758.
- Nearest larger cities: Lake Delton (3 mi); Baraboo (12 mi); Reedsburg (13 mi); Portage (17 mi); Mauston (19 mi). Online lenders reach Wisconsin Dells no matter how far the nearest branch is.
- Nearest smaller towns: Lyndon Station (8 mi); West Baraboo (11 mi); North Freedom (13 mi).
- Smaller places within 50 miles: 77 of them.
- At 100 miles: 147 larger Census places fall inside that radius.
Wisconsin Dells on the map
Inside Wisconsin Dells's boundaries lie roughly 7.8 square miles of land and 0.34 square miles of water. That land carries about 427 people per square mile. Milwaukee, the largest place in Wisconsin, is about 99 miles from Wisconsin Dells. Counting outward 50 miles, 28 larger communities surround Wisconsin Dells. By land area it ranks 96th of 605 Wisconsin places.
Wisconsin Dells in state context
Against Wisconsin's other places, Wisconsin Dells accounts for about 0.1% of the state's population and ranks 198th of 605 by size. For population change between 2020 and 2023, Wisconsin Dells ranks 7th of 605 in Wisconsin (about the 99th percentile). Its roughly 427 residents per square mile place it 455th among Wisconsin's places. The population moved by about 397 people between 2020 and 2023, a 13.5% shift.
What shapes a Wisconsin Dells personal loan
Wisconsin Dells is a small community of about 3,344 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Wisconsin Dells's 3,344 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Wisconsin Dells loan but raises total interest, so the smallest payment is not the cheapest loan.
Lender access in Wisconsin Dells
At roughly 427 people per square mile, Wisconsin Dells is lightly settled; 28 larger places lie within 50 miles. Whether Wisconsin Dells has a local branch or not, a Wisconsin-licensed lender can serve its 3,344 people online on the same terms. For a larger market, the closest option is Lake Delton, WI about 3 miles away.
What Wisconsin law requires in Wisconsin Dells
These are Wisconsin's sourced lending facts as they reach Wisconsin Dells's 3,344 residents; the state has no city-level rate rule.
| 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 |
Common questions
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Nearby places
- Lake Delton, WI — population 3,629
- Lyndon Station, WI — population 484
- West Baraboo, WI — population 1,582
- Baraboo, WI — population 12,554
- North Freedom, WI — population 587
- Rock Springs, WI — population 325
- Reedsburg, WI — population 10,190
- Oxford, WI — population 534