Personal loans in Elroy, WI

Elroy, Wisconsin — home to about 1,326 people — is a small community, so the terms you are offered follow Wisconsin law rather than any local rule. The trend for Elroy between 2020 and 2023 is downward by roughly 2.1%. Work out your debt-to-income ratio first; lenders weigh it heavily, and Elroy's 1,326 residents are no exception. A larger market lies at Hillsboro, WI about 7 miles away.

Elroy by the numbers

Elroy is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: an estimated 1,326 residents, 324th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
• Population trend: About 2.1% below the 2020 Census base.
• Net change: roughly 29 fewer people than the 2020 Census counted.
• Size percentile: Elroy's 1,326 people outrank roughly 46% of the places in Wisconsin.
• Population density: about 660 people per square mile across 2.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Elroy's 2.0 square miles rank 321st of 605 places in Wisconsin.
• Share of state population: Elroy's 1,326 residents are about 0.0% of Wisconsin.
• National standing: Elroy ranks 9,186th of 19,457 US places.
• Growth in Wisconsin: Elroy stands 520th by percentage change from 2020 to 2023, among 605 places.
• Versus Wisconsin: the state average change is +0.4%, while Elroy moved 2.1%.
• Density rank: Elroy is the 355th most densely settled place in Wisconsin.
• Density vs Wisconsin: Elroy's 660 people per square mile compare with a state median of 800.
• Location: mapped by the US Census Bureau at 43.7416, -90.2702.
• Nearest larger cities: Hillsboro (7 mi); Mauston (10 mi); New Lisbon (11 mi); Reedsburg (20 mi); Tomah (21 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller towns nearby: Union Center (4 mi); Kendall (6 mi); Wonewoc (7 mi).
• Within a 50-mile radius: 54 smaller Census places.
• At 100 miles: 175 larger Census places fall inside that radius.

The Elroy borrowing checklist

Before you hand your details to a lender in Elroy, where the population is near 1,326:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Model the payment on the calculator before a lender models it for you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the Wisconsin licence with the regulator named above before committing.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Pick the shortest term whose payment you can comfortably afford.
7. Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Elroy-specific: the same Wisconsin licensing and disclosure rules reach all 1,326 residents.

What Wisconsin law requires in Elroy

Wisconsin has no separate rate rule for Elroy; the sourced rows below are what reach every lender that serves its 1,326 people.

How lenders reach Elroy

With about 660 residents per square mile, Elroy is moderately settled, and 31 larger Census places sit within 50 miles. Distance to a branch rarely matters for Elroy's 1,326 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Hillsboro, WI about 7 miles away.

Elroy on the map

Elroy covers about 2.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 660 people per square mile. The largest place in Wisconsin, Milwaukee, lies about 125 miles away. Counting outward 50 miles, 31 larger communities surround Elroy. By land area it ranks 321st of 605 Wisconsin places.

Elroy in state context

Within Wisconsin, Elroy holds roughly 0.0% of all residents, the 324th-largest share among 605 places. On the 2020-to-2023 trend, Elroy stands 520th among Wisconsin's 605 places — roughly the 14th percentile. At about 660 people per square mile, Elroy is the 355th most densely settled place in Wisconsin. In land area, Elroy ranks 321st among Wisconsin's 605 places.