Personal loans in Black Earth, WI

Roughly 1,448 residents live in Black Earth, the 309th-largest community in Wisconsin. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Black Earth loan. Lenders active in Black Earth report to a Wisconsin supervisor, identified in the sourced rows below. The closest larger city is Mazomanie, WI about 4 miles away.

Local context for Black Earth

Two layers matter for a Black Earth borrower: the local population picture and Wisconsin's consumer-lending statutes.

• Population: an estimated 1,448 residents, 309th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is negative, near 3.0%.
• People gained or lost: about 45 fewer since the 2020 base.
• Size percentile: roughly 49% of Wisconsin's places have fewer residents than Black Earth's 1,448.
• Density: roughly 1,716 residents per square mile, spread over 0.8 sq mi of land.
• By land area: Black Earth ranks 524th among Wisconsin's 605 places, at 0.8 sq mi.
• Water area: Black Earth has 0.01 square miles of water, ranking 352nd of 605 places in Wisconsin.
• Within Wisconsin: about 0.0% of the state's population lives in Black Earth.
• National rank: Black Earth is 8,816th of 19,457 places nationwide.
• Growth rank: Black Earth's 2020-to-2023 change ranks 568th of 605 places in Wisconsin.
• Against the state trend: Black Earth's 3.0% change compares with a Wisconsin average of +0.4% across its 605 places.
• Density in Wisconsin: Black Earth ranks 90th by people per square mile.
• Density vs Wisconsin: Black Earth's 1,716 people per square mile compare with a state median of 800.
• Location: it lies at 43.1346, -89.7474 in the Census Gazetteer.
• Nearest larger cities: Mazomanie (4 mi); Cross Plains (5 mi); Mount Horeb (9 mi); Sauk City (10 mi); Prairie du Sac (11 mi). A branch is convenient; it is not what sets your APR.
• Smaller towns nearby: Arena (8 mi); Blue Mounds (9 mi); Barneveld (11 mi).
• Within a 50-mile radius: 60 smaller Census places.
• Within 100 miles: 278 places are larger than Black Earth.

Black Earth against the rest of Wisconsin

Against Wisconsin's other places, Black Earth accounts for about 0.0% of the state's population and ranks 309th of 605 by size. On the 2020-to-2023 trend, Black Earth stands 568th among Wisconsin's 605 places — roughly the 6th percentile. By density, at about 1,716 people per square mile, it ranks 90th in Wisconsin. Within 50 miles sit 60 smaller Census places, alongside the 58 that are larger.

How lenders reach Black Earth

Black Earth is moderately settled, with about 1,716 people per square mile and 58 larger places within 50 miles. What is available to Black Earth's 1,448 borrowers is set by Wisconsin licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Mazomanie, WI about 4 miles away.

Wisconsin rules behind a Black Earth personal loan

Wisconsin has no separate rate rule for Black Earth; the sourced rows below are what reach every lender that serves its 1,448 people.

The Black Earth borrowing checklist

These steps shape the offer you get in Black Earth, a place of about 1,448 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
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. Confirm the Wisconsin licence with the regulator named above before committing.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Make sure the new payment leaves room in a budget you already keep.

In Black Earth as elsewhere in Wisconsin, the written terms — not the advertisement — are what count for its 1,448 residents.

Land, water and location for Black Earth

Inside Black Earth's boundaries lie roughly 0.8 square miles of land and 0.01 square miles of water. With 1,448 residents, the land area yields roughly 1,716 people per square mile. The state's population centre of gravity, Milwaukee, is roughly 90 miles away. A 50-mile radius around Black Earth takes in 58 places that are larger. By land area it ranks 524th of 605 Wisconsin places.