Personal loans in Centuria, WI

Roughly 895 residents live in Centuria, the 383rd-largest community in Wisconsin. Two households in Centuria with comparable incomes can still be offered different rates; the city's 895 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.

Centuria added about 0.3% to its population between the 2020 base and the 2023 estimate. Verify the lender's Wisconsin licence against the regulator named below before borrowing in Centuria. State law, not city hall, decides what a lender may do to Centuria's roughly 895 residents, and a state regulator supervises it. For a bigger market, look to St. Croix Falls, WI about 4 miles away.

The Centuria data picture

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

How Wisconsin law applies in Centuria

When Wisconsin does not publish a figure, the row links to the source instead of inventing a number; Centuria is bound by the same rules.

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
Payday lending statusLegal and licensed by the DFI Division of Banking; statewide database tracking (Wis. Stat. § 138.14)
Source says: "Licensee" means a person holding a license issued by the division under sub. (5)
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

Land, water and location for Centuria

The Census Gazetteer records about 1.7 square miles of land within Centuria, with no significant water area listed. That land carries about 526 people per square mile. The state's population centre of gravity, Milwaukee, is roughly 281 miles away. Within 50 miles of Centuria there are 117 larger Census places. By land area it ranks 359th of 605 Wisconsin places.

Centuria in state context

Among Wisconsin's 605 places, Centuria sits at 383rd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Centuria stands 224th among Wisconsin's 605 places — roughly the 63th percentile. Its roughly 526 residents per square mile place it 411th among Wisconsin's places. Between 2020 and 2023 the count changed by roughly 3 residents.

Borrowing reach in Centuria

Centuria is a moderately settled community of about 895 people, with 117 larger places inside a 50-mile radius. What is available to Centuria's 895 borrowers is set by Wisconsin licensing and your own credit, not by how many branches are nearby. The nearest bigger place is St. Croix Falls, WI about 4 miles away.

How personal loans work in Centuria

In Centuria, a small community of about 895, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Centuria's rank of 383rd in Wisconsin: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Centuria loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

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