Personal loans in Johnson Creek, WI
Johnson Creek is a small community of about 3,441 residents, and a personal loan taken out here is governed by Wisconsin statute. Johnson Creek is home to roughly 3,441 people and stands 193rd by size out of 605 Census places in Wisconsin.
From the 2020 Census base to the 2023 estimate, the population rose by about 3.5%. Verify the lender's Wisconsin licence against the regulator named below before borrowing in Johnson Creek. A larger market lies at Jefferson, WI about 6 miles away. Consumer lending that reaches Johnson Creek's 3,441 residents is governed by Wisconsin statute; no city ordinance changes it.
Local context for Johnson Creek
Read the local figures below as context; read the sourced Wisconsin table as the rulebook a lender here must follow.
- Population: about 3,441, ranked 193rd of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- Population trend: Up about 3.5% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 116 more since the 2020 base.
- Size percentile: roughly 68% of Wisconsin's places have fewer residents than Johnson Creek's 3,441.
- Population density: 1,136 people per square mile on 3.0 square miles of land.
- Land area rank: Johnson Creek's 3.0 square miles rank 231st of 605 places in Wisconsin.
- Water area: Johnson Creek has 0.01 square miles of water, ranking 345th of 605 places in Wisconsin.
- State population share: Johnson Creek accounts for about 0.1% of everyone in Wisconsin.
- Nationally: Johnson Creek is the 5,871st-largest of 19,457 Census places in the dataset.
- Growth rank: Johnson Creek's 2020-to-2023 change ranks 56th of 605 places in Wisconsin.
- Against the state trend: Johnson Creek's 3.5% change compares with a Wisconsin average of +0.4% across its 605 places.
- Density in Wisconsin: Johnson Creek ranks 190th by people per square mile.
- Density in context: Johnson Creek's 1,136 people per square mile sit against a Wisconsin median of 800.
- Location: 43.0791, -88.7711 (Census Gazetteer coordinates).
- Nearest larger cities: Jefferson (6 mi); Lake Mills (7 mi); Watertown (8 mi); Fort Atkinson (11 mi); Waterloo (13 mi). Living near a larger metro rarely changes what is available in Johnson Creek.
- Nearest smaller towns: Sullivan (10 mi); Lac La Belle (14 mi); Cambridge (14 mi).
- Within a 50-mile radius: 77 smaller Census places.
- Within 100 miles: 308 places are larger than Johnson Creek.
Which Wisconsin laws govern a loan in Johnson Creek
When Wisconsin does not publish a figure, the row links to the source instead of inventing a number; Johnson Creek 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 |
| 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 |
What is available to Johnson Creek borrowers
With about 1,136 residents per square mile, Johnson Creek is moderately settled, and 97 larger Census places sit within 50 miles. Distance to a branch rarely matters for Johnson Creek's 3,441 residents: the application is online and the price follows your credit file. The nearest larger city, Jefferson, WI about 6 miles away.
Where Johnson Creek sits in Wisconsin
Against Wisconsin's other places, Johnson Creek accounts for about 0.1% of the state's population and ranks 193rd of 605 by size. Its 2020-to-2023 change ranks 56th of 605 Wisconsin places, putting it near the 91th percentile for growth. At about 1,136 people per square mile, Johnson Creek is the 190th most densely settled place in Wisconsin. In land area, Johnson Creek ranks 231st among Wisconsin's 605 places.
How a Johnson Creek personal loan is priced
Most loans made to Johnson Creek's 3,441 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Johnson Creek. A longer term lowers the monthly payment on a Johnson Creek loan but raises total interest, so the smallest payment is not the cheapest loan.
The geography behind Johnson Creek
Johnson Creek covers about 3.0 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). That land carries about 1,136 people per square mile. For the state's biggest city, Milwaukee, the distance is roughly 41 miles. A 50-mile radius around Johnson Creek takes in 97 places that are larger. By land area it ranks 231st of 605 Wisconsin places.
Common questions
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Nearby places
- Jefferson, WI — population 7,646
- Watertown, WI — population 22,692
- Lake Mills, WI — population 6,602
- Fort Atkinson, WI — population 12,350
- Sullivan, WI — population 642
- Clyman, WI — population 396
- Reeseville, WI — population 752
- Waterloo, WI — population 3,611