Personal loans in Beloit, WI

The first question in Beloit is not the rate on offer but whether the payment fits; about 36,342 people live here under Wisconsin lending law. From the 2020 Census base to the 2023 estimate, the population declined by about 0.9%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Beloit loan. A larger market lies at Janesville, WI about 11 miles away.

The Beloit data picture

What follows is Beloit's place in the Census record, alongside the Wisconsin rules that govern a personal loan made here.

• Population: about 36,342 people live here, which puts Beloit 23rd of 605 Census places in Wisconsin (Vintage 2023).
• Population trend: A loss of roughly 0.9% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 346 residents.
• Size percentile: with 36,342 residents, Beloit is larger than about 96% of Wisconsin's Census places.
• Population density: 2,092 people per square mile on 17.4 square miles of land.
• By land area: Beloit ranks 48th among Wisconsin's 605 places, at 17.4 sq mi.
• Water: Beloit holds about 0.33 square miles, the 102nd-largest water area in Wisconsin.
• State share: roughly 0.8% of Wisconsin's residents live in Beloit (36,342 people).
• National rank: Beloit is 1,108th of 19,457 places nationwide.
• Growth rank: Beloit's 2020-to-2023 change ranks 387th of 605 places in Wisconsin.
• Versus Wisconsin: the state average change is +0.4%, while Beloit moved 0.9%.
• Density rank: Beloit places 58th among Wisconsin's places by people per square mile.
• Against the state median: Beloit runs about 2,092 residents per square mile, where the Wisconsin median is 800.
• Location: coordinates 42.5235, -89.0177 (US Census Bureau Gazetteer).
• Nearest larger cities: Janesville (11 mi); Rockford (18 mi); Crystal Lake (40 mi); DeKalb (43 mi); Madison (44 mi). Online lenders reach Beloit no matter how far the nearest branch is.
• Nearest smaller places: South Beloit (3 mi); Rockton (6 mi); Roscoe (7 mi).
• Smaller places within 50 miles: 173 of them.
• Larger places within 100 miles: 56.

What a Beloit borrower is actually offered

A Beloit personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 36,342 residents. A lender serving Beloit's 36,342 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Beloit loan is knowable in advance — unlike a revolving card balance.

The state rulebook for Beloit

The rows below set out what a licensed lender must follow in Wisconsin, and so for Beloit's roughly 36,342 residents.

Land, water and location for Beloit

The Census Gazetteer records 17.4 square miles of land and 0.33 square miles of water within Beloit. Spread across it are roughly 2,092 residents per square mile. For the state's biggest city, Milwaukee, the distance is roughly 65 miles. Within 50 miles of Beloit there are 8 larger Census places. By land area it ranks 48th of 605 Wisconsin places.

What is available to Beloit borrowers

With about 2,092 residents per square mile, Beloit is fairly dense, and 8 larger Census places sit within 50 miles. What is available to Beloit's 36,342 borrowers is set by Wisconsin licensing and your own credit, not by how many branches are nearby. The nearest larger city, Janesville, WI about 11 miles away.

How Beloit compares across Wisconsin

Within Wisconsin, Beloit holds roughly 0.8% of all residents, the 23rd-largest share among 605 places. On the 2020-to-2023 trend, Beloit stands 387th among Wisconsin's 605 places — roughly the 36th percentile. Its roughly 2,092 residents per square mile place it 58th among Wisconsin's places. In land area, Beloit ranks 48th among Wisconsin's 605 places.