Personal loans in Ironton, WI

A personal loan in Ironton is priced from your credit file and income, not from the fact that the city holds 267 people. About 267 people live in Ironton, placing it 553rd of 605 Census places in Wisconsin.

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.

The closest larger place is La Valle, WI about 3 miles away. Population in Ironton dropped about 2.6% over the three years from 2020 to 2023. Every figure below is Wisconsin's own, applied to Ironton's 267 residents, with the publisher and retrieval date attached. For a community of about 267, the practical step is to compare APR across at least three lenders before committing.

The Ironton data picture

Only a few things actually differ by place — population, area, location, and the Wisconsin rules a lender must follow — and they are below.

Lender access in Ironton

With about 802 residents per square mile, Ironton is moderately settled, and 89 larger Census places sit within 50 miles. Lenders licensed in Wisconsin reach Ironton's 267 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is La Valle, WI about 3 miles away.

Inside a Ironton personal loan

Most loans made to Ironton's 267 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Ironton's rank of 553rd in Wisconsin: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Ironton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Ironton sits

Ironton covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 802 people per square mile. The state's population centre of gravity, Milwaukee, is roughly 114 miles away. A 50-mile radius around Ironton takes in 89 places that are larger. Within the same 50 miles lie 14 smaller Census places.

How Wisconsin law applies in Ironton

Below are the Wisconsin rules that apply to a loan made in Ironton, each with the regulator that issued it.

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

Ironton's place among Wisconsin's 605 places

Within Wisconsin, Ironton holds roughly 0.0% of all residents, the 553rd-largest share among 605 places. For population change between 2020 and 2023, Ironton ranks 543rd of 605 in Wisconsin (about the 10th percentile). By density, at about 802 people per square mile, it ranks 300th in Wisconsin. Between 2020 and 2023 the count changed by roughly 7 residents.

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 Ironton 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 Ironton is the same as anywhere in Wisconsin.
What loan size can I expect in Ironton?
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 Ironton?
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 Ironton 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.

Nearby places

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