Personal loans in Kimberly, WI

A single loan can carry different costs on either side of a state line, and Kimberly sits on the Wisconsin side of that line. With an estimated 7,626 residents, Kimberly is the 126th-largest of 605 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.

Two households in Kimberly with comparable incomes can still be offered different rates; the city's 7,626 residents are not the reason. Population in Kimberly climbed about 4.3% over the three years from 2020 to 2023. Judge Kimberly offers on total cost, not on how quickly the money arrives. The nearest larger city is Little Chute, WI about 2 miles away.

The Kimberly data picture

The figures below are Kimberly's own — Census population, land area and coordinates — followed by the Wisconsin rules.

Where Kimberly sits in Wisconsin

Kimberly is the 126th-largest of 605 Census places in Wisconsin and contains about 0.2% of the state's people. For population change between 2020 and 2023, Kimberly ranks 46th of 605 in Wisconsin (about the 92th percentile). Its roughly 3,320 residents per square mile place it 14th among Wisconsin's places. In land area, Kimberly ranks 285th among Wisconsin's 605 places.

Steps to take before a Kimberly loan

A sensible order of operations for a loan in Kimberly, home to about 7,626 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Check the Wisconsin regulator's records to confirm the lender is licensed here.
  5. Decide the purpose and how you will repay it before approaching any lender.
  6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across Wisconsin; what changes is your credit file, not the fact that Kimberly holds 7,626 people.

Which Wisconsin laws govern a loan in Kimberly

For the roughly 7,626 residents of Kimberly, the rules below are Wisconsin's own; each row carries its publisher and retrieval date.

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
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 statusLegal 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

How lenders reach Kimberly

Kimberly is a fairly dense community of about 7,626 people, with 26 larger places inside a 50-mile radius. A Wisconsin licence lets a lender serve Kimberly without a local office, so branch density does not change what its 7,626 residents are offered. The nearest bigger place is Little Chute, WI about 2 miles away.

Inside a Kimberly personal loan

In Kimberly, a small town of about 7,626, 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 Kimberly can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Kimberly loan is knowable in advance — unlike a revolving card balance.

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