Personal loans in Embarrass, WI
The first question in Embarrass is not the rate on offer but whether the payment fits; about 305 people live here under Wisconsin lending law. About 305 people live in Embarrass, placing it 542nd of 605 Census places in Wisconsin.
A 2020-to-2023 comparison shows Embarrass down by about 14.8%. Compare APR, not the interest rate, because the APR folds in most fees on a Embarrass loan. For a bigger market, look to Clintonville, WI about 4 miles away. Every figure below is Wisconsin's own, applied to Embarrass's 305 residents, with the publisher and retrieval date attached.
Embarrass: the sourced local profile
Embarrass is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: an estimated 305 residents, 542nd of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 14.8% from 2020 to 2023.
- Absolute change: 53 residents lost between 2020 and 2023.
- Size percentile: with 305 residents, Embarrass is larger than about 10% of Wisconsin's Census places.
- Population density: about 260 people per square mile across 1.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Embarrass ranks 447th among Wisconsin's 605 places, at 1.2 sq mi.
- Water: Embarrass holds about 0.02 square miles, the 302nd-largest water area in Wisconsin.
- Within Wisconsin: about 0.0% of the state's population lives in Embarrass.
- National rank: Embarrass is the 15,063rd most populous of the 19,457 Census places covered here.
- Growth rank: Embarrass's 2020-to-2023 change ranks 605th of 605 places in Wisconsin.
- Versus Wisconsin: the state average change is +0.4%, while Embarrass moved 14.8%.
- Density in Wisconsin: Embarrass ranks 531st by people per square mile.
- Against the state median: Embarrass runs about 260 residents per square mile, where the Wisconsin median is 800.
- Location: it lies at 44.6705, -88.7032 in the Census Gazetteer.
- Nearest larger cities: Clintonville (4 mi); Shawano (9 mi); Bear Creek (10 mi); Marion (10 mi); Gresham (13 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Nichols (14 mi); Big Falls (16 mi); Ogdensburg (22 mi), each with its own Census population profile.
- Within a 50-mile radius: 9 smaller Census places.
- At 100 miles: 237 larger Census places fall inside that radius.
A practical checklist for Embarrass borrowers
For Embarrass's roughly 305 residents, these are the steps that most influence the offer:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Make sure the lender appears in the Wisconsin regulator's licence list.
- Borrow only what the purpose requires, not the maximum you are offered.
- Decide the purpose and how you will repay it before approaching any lender.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
The process is identical across Wisconsin; what changes is your credit file, not the fact that Embarrass holds 305 people.
Land, water and location for Embarrass
The Census Gazetteer records 1.2 square miles of land and 0.02 square miles of water within Embarrass. The resulting density is about 260 people per square mile. For the state's biggest city, Milwaukee, the distance is roughly 117 miles. Embarrass has 78 larger places within a 50-mile radius. Within the same 50 miles lie 9 smaller Census places.
The state rulebook for Embarrass
When Wisconsin does not publish a figure, the row links to the source instead of inventing a number; Embarrass is bound by the same rules.
| 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 |
Getting a loan in Embarrass
Embarrass is a lightly settled community of about 305 people, with 78 larger places inside a 50-mile radius. Lenders licensed in Wisconsin reach Embarrass's 305 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Clintonville, WI about 4 miles away.
How personal loans work in Embarrass
In Embarrass, a small community of about 305, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Embarrass's 305 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Embarrass decides the split between a comfortable payment and the total interest you pay.
Common questions
What are my options in Embarrass if my credit is poor?
What loan size can I expect in Embarrass?
Do I have to pledge anything to borrow in Embarrass?
Does comparing loans in Embarrass cost me credit score points?
Nearby places
- Clintonville, WI — population 4,529
- Bear Creek, WI — population 421
- Shawano, WI — population 9,237
- Gresham, WI — population 536
- Marion, WI — population 1,294
- Nichols, WI — population 285
- Shiocton, WI — population 939
- Bonduel, WI — population 1,410