Personal loans in Cottage Grove, WI

Cottage Grove: population, trend and location

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

• Population: about 8,880 people live here, which puts Cottage Grove 109th of 605 Census places in Wisconsin (Vintage 2023).
• Population trend: Higher by roughly 21.7% since the 2020 count.
• People gained or lost: about 1,582 more since the 2020 base.
• Size percentile: bigger than about 82% of the places in Wisconsin, with 8,880 residents in Cottage Grove.
• Density: the Census land area of 4.7 sq mi holds about 1,893 people per square mile.
• Land area: Cottage Grove covers 4.7 square miles, the 153rd-largest area among Wisconsin's 605 places.
• State share: roughly 0.2% of Wisconsin's residents live in Cottage Grove (8,880 people).
• National rank: Cottage Grove is the 3,412th most populous of the 19,457 Census places covered here.
• Growth rank: Cottage Grove ranks 3rd among Wisconsin's 605 places for the 2020-to-2023 change.
• State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Cottage Grove's 21.7%.
• Density in Wisconsin: Cottage Grove ranks 72nd by people per square mile.
• Density vs Wisconsin: Cottage Grove's 1,893 people per square mile compare with a state median of 800.
• Location: 43.0922 / -89.2053, per the US Census Bureau Gazetteer.
• Nearest larger cities: McFarland (6 mi); Sun Prairie (6 mi); Windsor (11 mi); Madison (11 mi); Stoughton (12 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller places: Monona (7 mi); Deerfield (7 mi); Maple Bluff (9 mi).
• Smaller places within 50 miles: 111 of them.
• At 100 miles: 153 larger Census places fall inside that radius.

Steps to take before a Cottage Grove loan

For Cottage Grove's roughly 8,880 residents, these are the steps that most influence the offer:

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. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Make sure the new payment leaves room in a budget you already keep.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Cottage Grove-specific: the same Wisconsin licensing and disclosure rules reach all 8,880 residents.

Which Wisconsin laws govern a loan in Cottage Grove

Every row below records a Wisconsin rule, its publisher and its retrieval date — the same rules a Cottage Grove lender must follow.

Where Cottage Grove sits

Inside Cottage Grove's boundaries lie about 4.7 square miles of land, with no significant water area recorded. With 8,880 residents, the land area yields roughly 1,893 people per square mile. Milwaukee, the largest place in Wisconsin, is about 63 miles from Cottage Grove. Counting outward 50 miles, 30 larger communities surround Cottage Grove. The 100-mile radius contains 153 larger places.

How Cottage Grove compares across Wisconsin

Against Wisconsin's other places, Cottage Grove accounts for about 0.2% of the state's population and ranks 109th of 605 by size. On the 2020-to-2023 trend, Cottage Grove stands 3rd among Wisconsin's 605 places — roughly the 100th percentile. Its roughly 1,893 residents per square mile place it 72nd among Wisconsin's places. The population moved by about 1,582 people between 2020 and 2023, a 21.7% shift.

Lender access in Cottage Grove

With about 1,893 residents per square mile, Cottage Grove is moderately settled, and 30 larger Census places sit within 50 miles. A Wisconsin licence lets a lender serve Cottage Grove without a local office, so branch density does not change what its 8,880 residents are offered. The nearest larger city, McFarland, WI about 6 miles away.