Personal loans in Elk Mound, WI
Elk Mound is home to roughly 986 people and stands 368th by size out of 605 Census places in Wisconsin. Elk Mound shed about 0.1% of its population between the 2020 base and the 2023 estimate. Two households in Elk Mound with comparable incomes can still be offered different rates; the city's 986 residents are not the reason. A lender that serves Elk Mound operates under Wisconsin lending statutes and a Wisconsin supervisor. Rate-shopping from Elk Mound costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Borrowers who want a bigger city can look to Colfax, WI about 9 miles away.
Elk Mound: population, trend and location
Elk Mound is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 986 people, a figure that places Elk Mound 368th among the 605 Census places in Wisconsin (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 0.1% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
- Size percentile: Elk Mound's 986 people outrank roughly 39% of the places in Wisconsin.
- Density: the Census land area of 2.3 sq mi holds about 433 people per square mile.
- Land area: Elk Mound covers 2.3 square miles, the 287th-largest area among Wisconsin's 605 places.
- Share of Wisconsin: Elk Mound holds about 0.0% of the state's population, some 986 people.
- National rank: Elk Mound is the 10,261st most populous of the 19,457 Census places covered here.
- Growth rank: Elk Mound ranks 281st among Wisconsin's 605 places for the 2020-to-2023 change.
- Versus Wisconsin: the state average change is +0.4%, while Elk Mound moved 0.1%.
- Density rank: Elk Mound places 451st among Wisconsin's places by people per square mile.
- Density in context: Elk Mound's 433 people per square mile sit against a Wisconsin median of 800.
- Location: latitude 44.8744, longitude -91.6862 (Census Gazetteer).
- Nearest larger cities: Colfax (9 mi); Eau Claire (10 mi); Menomonie (11 mi); Lake Hallie (13 mi); Altoona (13 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Wheeler (16 mi); Knapp (20 mi); Eleva (23 mi), each with its own Census population profile.
- Smaller places within 50 miles: 36 of them.
- Within 100 miles: 256 places are larger than Elk Mound.
What Wisconsin law requires in Elk Mound
For the roughly 986 residents of Elk Mound, the rules below are Wisconsin's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
| Payday lending status | Legal 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 |
How personal loans work in Elk Mound
In Elk Mound, a small community of about 986, 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 Elk Mound's rank of 368th in Wisconsin: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Elk Mound loan is knowable in advance — unlike a revolving card balance.
Elk Mound: area, density and distance
The Census Gazetteer records about 2.3 square miles of land within Elk Mound, with no significant water area listed. The resulting density is about 433 people per square mile. The largest place in Wisconsin, Milwaukee, lies about 223 miles away. Elk Mound has 44 larger places within a 50-mile radius. Within the same 50 miles lie 36 smaller Census places.
Lender access in Elk Mound
With about 433 residents per square mile, Elk Mound is lightly settled, and 44 larger Census places sit within 50 miles. What is available to Elk Mound's 986 borrowers is set by Wisconsin licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Colfax, WI about 9 miles away.
Where Elk Mound sits in Wisconsin
Against Wisconsin's other places, Elk Mound accounts for about 0.0% of the state's population and ranks 368th of 605 by size. For population change between 2020 and 2023, Elk Mound ranks 281st of 605 in Wisconsin (about the 54th percentile). By density, at about 433 people per square mile, it ranks 451st in Wisconsin. Within 50 miles sit 36 smaller Census places, alongside the 44 that are larger.
Common questions
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Nearby places
- Colfax, WI — population 1,188
- Eau Claire, WI — population 70,542
- Menomonie, WI — population 16,642
- Altoona, WI — population 9,287
- Lake Hallie, WI — population 7,310
- Wheeler, WI — population 330
- Bloomer, WI — population 3,708
- Chippewa Falls, WI — population 14,656