Personal loans in Medford, WI

The first question in Medford is not the rate on offer but whether the payment fits; about 4,406 people live here under Wisconsin lending law. With 4,406 residents, Medford outranks about 73% of the communities 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.

From the 2020 Census base to the 2023 estimate, the population rose by about 1.4%. Verify the lender's Wisconsin licence against the regulator named below before borrowing in Medford. The closest larger city is Merrill, WI about 31 miles away. Every figure below is Wisconsin's own, applied to Medford's 4,406 residents, with the publisher and retrieval date attached.

The Medford data picture

Here is the sourced Census picture for Medford, plus the Wisconsin lending rules that apply to a loan taken out here.

Land, water and location for Medford

Medford's land area is about 4.5 square miles; a further 0.03 square miles is water. That land carries about 971 people per square mile. The largest place in Wisconsin, Milwaukee, lies about 185 miles away. A 50-mile radius around Medford takes in 7 places that are larger. Within the same 50 miles lie 49 smaller Census places.

Wisconsin consumer-lending rules applied in Medford

Every row below records a Wisconsin rule, its publisher and its retrieval date — the same rules a Medford 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

Borrowing reach in Medford

With about 971 residents per square mile, Medford is moderately settled, and 7 larger Census places sit within 50 miles. Distance to a branch rarely matters for Medford's 4,406 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Merrill, WI about 31 miles away.

Inside a Medford personal loan

Medford is a small community of about 4,406 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Medford can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Medford loan is knowable in advance — unlike a revolving card balance.

Medford against the rest of Wisconsin

Among Wisconsin's 605 places, Medford sits at 163rd for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 134th of 605 Wisconsin places, putting it near the 78th percentile for growth. At about 971 people per square mile, Medford is the 235th most densely settled place in Wisconsin. In land area, Medford ranks 160th among Wisconsin's 605 places.

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