Personal loans in Fontana-on-Geneva Lake, WI

The trend for Fontana-on-Geneva Lake between 2020 and 2023 is upward by roughly 1.1%. The roughly 1,890 people who live in Fontana-on-Geneva Lake borrow under Wisconsin rules; city hall sets no personal-loan rate.

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.

Fontana-on-Geneva Lake is home to roughly 1,890 people and stands 265th by size out of 605 Census places in Wisconsin. Borrowers who want a bigger city can look to Walworth, WI about 2 miles away. Lenders active in Fontana-on-Geneva Lake report to a Wisconsin supervisor, identified in the sourced rows below. Read the disclosure for an origination fee and any prepayment penalty before signing in Fontana-on-Geneva Lake.

The Fontana-on-Geneva Lake data picture

Two layers matter for a Fontana-on-Geneva Lake borrower: the local population picture and Wisconsin's consumer-lending statutes.

How Wisconsin law applies in Fontana-on-Geneva Lake

Every row below records a Wisconsin rule, its publisher and its retrieval date — the same rules a Fontana-on-Geneva Lake lender must follow.

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
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
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

How a Fontana-on-Geneva Lake personal loan is priced

In Fontana-on-Geneva Lake, a small community of about 1,890, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Fontana-on-Geneva Lake can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Fontana-on-Geneva Lake loan is knowable in advance — unlike a revolving card balance.

Fontana-on-Geneva Lake on the map

Fontana-on-Geneva Lake covers about 3.4 square miles of land, with 0.04 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 563 people per square mile. The largest place in Wisconsin, Milwaukee, lies about 47 miles away. Within 50 miles of Fontana-on-Geneva Lake there are 195 larger Census places. The 100-mile radius contains 462 larger places.

Where Fontana-on-Geneva Lake sits in Wisconsin

Against Wisconsin's other places, Fontana-on-Geneva Lake accounts for about 0.0% of the state's population and ranks 265th of 605 by size. Its 2020-to-2023 change ranks 158th of 605 Wisconsin places, putting it near the 74th percentile for growth. By density, at about 563 people per square mile, it ranks 392nd in Wisconsin. By land area, its 3.4 square miles rank 208th of 605 places in Wisconsin.

A practical checklist for Fontana-on-Geneva Lake borrowers

For Fontana-on-Geneva Lake's roughly 1,890 residents, these are the steps that most influence the offer:

  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. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Confirm the lender holds a Wisconsin licence by checking the regulator named above.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

What differs between Fontana-on-Geneva Lake and the rest of Wisconsin is not the process but the borrower's own file, among the 1,890 people here.

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 Fontana-on-Geneva Lake 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 Fontana-on-Geneva Lake is the same as anywhere in Wisconsin.
What loan size can I expect in Fontana-on-Geneva Lake?
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 Fontana-on-Geneva Lake?
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 Fontana-on-Geneva Lake 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.

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