Personal loans in Beaver Dam, WI

The roughly 16,531 people who live in Beaver Dam borrow under Wisconsin rules; city hall sets no personal-loan rate. Read the disclosure for an origination fee and any prepayment penalty before signing in Beaver Dam. A single loan can carry different costs on either side of a state line, and Beaver Dam sits on the Wisconsin side of that line. A larger market lies at Watertown, WI about 20 miles away.

What the Census records for Beaver Dam

Set out below is Beaver Dam's local context next to the state-level rules that reach every lender here.

• Population: the Census counts 16,531 residents in Beaver Dam (Vintage 2023 subcounty estimate), the 54th-largest figure among Wisconsin's 605 places.
• Population trend: Down about 1.1% from the 2020 Census base to the 2023 estimate.
• Net change: roughly 179 fewer people than the 2020 Census counted.
• Size percentile: with 16,531 residents, Beaver Dam is larger than about 91% of Wisconsin's Census places.
• Density: roughly 2,227 residents per square mile, spread over 7.4 sq mi of land.
• By land area: Beaver Dam ranks 103rd among Wisconsin's 605 places, at 7.4 sq mi.
• Water area: Beaver Dam has 1.38 square miles of water, ranking 27th of 605 places in Wisconsin.
• Share of state population: Beaver Dam's 16,531 residents are about 0.4% of Wisconsin.
• National standing: Beaver Dam ranks 2,208th of 19,457 US places.
• Growth in Wisconsin: Beaver Dam stands 404th by percentage change from 2020 to 2023, among 605 places.
• Against the state trend: Beaver Dam's 1.1% change compares with a Wisconsin average of +0.4% across its 605 places.
• Density rank: Beaver Dam places 48th among Wisconsin's places by people per square mile.
• Density in context: Beaver Dam's 2,227 people per square mile sit against a Wisconsin median of 800.
• Location: latitude 43.4681, longitude -88.8309 (Census Gazetteer).
• Nearest larger cities: Watertown (20 mi); Sun Prairie (28 mi); Fond du Lac (29 mi); Oconomowoc (30 mi); West Bend (33 mi). Living near a larger metro rarely changes what is available in Beaver Dam.
• Smaller places nearby: Fox Lake (8 mi); Juneau (8 mi); Lowell (9 mi).
• Smaller places within 50 miles: 133 of them.
• At 100 miles: 70 larger Census places fall inside that radius.

How Wisconsin law applies in Beaver Dam

Wisconsin has no separate rate rule for Beaver Dam; the sourced rows below are what reach every lender that serves its 16,531 people.

A practical checklist for Beaver Dam borrowers

Complete these steps first when you borrow in Beaver Dam (16,531 residents):

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Wisconsin regulator's records to confirm the lender is licensed here.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across Wisconsin; what changes is your credit file, not the fact that Beaver Dam holds 16,531 people.

Beaver Dam on the map

The Census Gazetteer records 7.4 square miles of land and 1.38 square miles of water within Beaver Dam. The resulting density is about 2,227 people per square mile. The state's population centre of gravity, Milwaukee, is roughly 52 miles away. Counting outward 50 miles, 16 larger communities surround Beaver Dam. By land area it ranks 103rd of 605 Wisconsin places.

How lenders reach Beaver Dam

With about 2,227 residents per square mile, Beaver Dam is fairly dense, and 16 larger Census places sit within 50 miles. A Wisconsin licence lets a lender serve Beaver Dam without a local office, so branch density does not change what its 16,531 residents are offered. For a larger market, the closest option is Watertown, WI about 20 miles away.

Where Beaver Dam sits in Wisconsin

Among Wisconsin's 605 places, Beaver Dam sits at 54th for population, a share of roughly 0.4% of the state. Its 2020-to-2023 change ranks 404th of 605 Wisconsin places, putting it near the 33th percentile for growth. Its roughly 2,227 residents per square mile place it 48th among Wisconsin's places. The population moved by about 179 people between 2020 and 2023, a 1.1% shift.