Personal loans in Barneveld, WI

Two households in Barneveld with comparable incomes can still be offered different rates; the city's 1,329 residents are not the reason.

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.

Barneveld is home to roughly 1,329 people and stands 323rd by size out of 605 Census places in Wisconsin. Pull your credit reports and line up at least three offers before you apply from Barneveld. From the 2020 Census base to the 2023 estimate, the population rose by about 0.2%. A lender that serves Barneveld operates under Wisconsin lending statutes and a Wisconsin supervisor. Borrowers who want a bigger city can look to Mount Horeb, WI about 8 miles away.

Barneveld by the numbers

Only a few things actually differ by place — population, area, location, and the Wisconsin rules a lender must follow — and they are below.

What Wisconsin law requires in Barneveld

For the roughly 1,329 residents of Barneveld, the rules below are Wisconsin's own; each row carries its publisher and retrieval date.

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
Small-loan / installment lender licensingLicensed 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

The geography behind Barneveld

Barneveld's land area is roughly 2.1 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 633 residents per square mile. For the state's biggest city, Milwaukee, the distance is roughly 98 miles. Barneveld has 57 larger places within a 50-mile radius. Within the same 50 miles lie 64 smaller Census places.

How a Barneveld personal loan is priced

In Barneveld, a small community of about 1,329, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Barneveld. A longer term lowers the monthly payment on a Barneveld loan but raises total interest, so the smallest payment is not the cheapest loan.

Getting a loan in Barneveld

With about 633 residents per square mile, Barneveld is moderately settled, and 57 larger Census places sit within 50 miles. Lenders licensed in Wisconsin reach Barneveld's 1,329 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Mount Horeb, WI about 8 miles away.

Where Barneveld sits in Wisconsin

Within Wisconsin, Barneveld holds roughly 0.0% of all residents, the 323rd-largest share among 605 places. For population change between 2020 and 2023, Barneveld ranks 246th of 605 in Wisconsin (about the 59th percentile). Its roughly 633 residents per square mile place it 363rd among Wisconsin's places. By land area, its 2.1 square miles rank 311th of 605 places in Wisconsin.

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 Barneveld 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 Barneveld is the same as anywhere in Wisconsin.
What loan size can I expect in Barneveld?
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 Barneveld?
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 Barneveld 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

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