Personal loans in Cambridge, WI
State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Cambridge's 1,668 residents.
If you are weighing a personal loan in Cambridge, start from the payment you can carry; its 1,668 residents face the same statewide rules. With an estimated 1,668 residents, Cambridge is the 283rd-largest of 605 places in Wisconsin. The 2020 count to the 2023 estimate shows about 1.6% growth in Cambridge. Begin with the payment, then weigh APR and total interest across the lenders that reach Cambridge's 1,668 residents. The nearest larger city is Deerfield, WI about 4 miles away.
Cambridge: the sourced local profile
Most of what governs a Cambridge loan is written in Wisconsin law rather than in the city; the sourced notes below make that split concrete.
- Population: an estimated 1,668 residents, 283rd of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- Population trend: Higher by roughly 1.6% since the 2020 count.
- People gained or lost: about 27 more since the 2020 base.
- Size percentile: roughly 53% of Wisconsin places rank below Cambridge.
- Density: roughly 1,132 residents per square mile, spread over 1.5 sq mi of land.
- By land area: Cambridge ranks 397th among Wisconsin's 605 places, at 1.5 sq mi.
- State share: roughly 0.0% of Wisconsin's residents live in Cambridge (1,668 people).
- National rank: Cambridge is the 8,315th most populous of the 19,457 Census places covered here.
- Growth rank: Cambridge ranks 116th among Wisconsin's 605 places for the 2020-to-2023 change.
- Versus Wisconsin: the state average change is +0.4%, while Cambridge moved 1.6%.
- Density in Wisconsin: Cambridge ranks 192nd by people per square mile.
- Density vs Wisconsin: Cambridge's 1,132 people per square mile compare with a state median of 800.
- Location: 43.0066 / -89.0214, per the US Census Bureau Gazetteer.
- Nearest larger cities: Deerfield (4 mi); Lake Mills (8 mi); Fort Atkinson (11 mi); Jefferson (11 mi); Cottage Grove (11 mi). Larger metros often have more branches, but online lenders reach Cambridge on the same terms.
- Smaller places close by: Rockdale (3 mi); Maple Bluff (19 mi); Brooklyn (21 mi).
- Smaller neighbours: 54 places smaller than Cambridge sit within 50 miles.
- Within 100 miles: 376 places are larger than Cambridge.
Which Wisconsin laws govern a loan in Cambridge
Wisconsin has no separate rate rule for Cambridge; the sourced rows below are what reach every lender that serves its 1,668 people.
| 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 |
The anatomy of a Cambridge personal loan
Most loans made to Cambridge's 1,668 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Cambridge can be quoted different APRs on the same amount and term. Shortening the term on a Cambridge loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
What is available to Cambridge borrowers
Cambridge is a moderately settled community of about 1,668 people, with 102 larger places inside a 50-mile radius. Distance to a branch rarely matters for Cambridge's 1,668 residents: the application is online and the price follows your credit file. The nearest bigger place is Deerfield, WI about 4 miles away.
Where Cambridge sits in Wisconsin
Among Wisconsin's 605 places, Cambridge sits at 283rd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Cambridge stands 116th among Wisconsin's 605 places — roughly the 81th percentile. By density, at about 1,132 people per square mile, it ranks 192nd in Wisconsin. The population moved by about 27 people between 2020 and 2023, a 1.6% shift.
Cambridge: area, density and distance
Cambridge covers about 1.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 1,668 residents, the land area yields roughly 1,132 people per square mile. The largest place in Wisconsin, Milwaukee, lies about 53 miles away. Within 50 miles of Cambridge there are 102 larger Census places. By land area it ranks 397th of 605 Wisconsin places.
Common questions
What are my options in Cambridge if my credit is poor?
What loan size can I expect in Cambridge?
Do I have to pledge anything to borrow in Cambridge?
Does comparing loans in Cambridge cost me credit score points?
Nearby places
- Rockdale, WI — population 204
- Deerfield, WI — population 2,515
- Lake Mills, WI — population 6,602
- Marshall, WI — population 3,810
- Edgerton, WI — population 5,991
- Waterloo, WI — population 3,611
- Fort Atkinson, WI — population 12,350
- Cottage Grove, WI — population 8,880