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.
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.
- Population: 4,406 — Medford ranks 163rd of 605 communities in Wisconsin (US Census Bureau, Vintage 2023).
- Population trend: Roughly 1.4% more residents than the 2020 Census counted.
- People gained or lost: about 62 more since the 2020 base.
- Size percentile: bigger than about 73% of the places in Wisconsin, with 4,406 residents in Medford.
- Population density: about 971 people per square mile across 4.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Medford covers 4.5 square miles, the 160th-largest area among Wisconsin's 605 places.
- Water area: Medford has 0.03 square miles of water, ranking 277th of 605 places in Wisconsin.
- Within Wisconsin: about 0.1% of the state's population lives in Medford.
- National rank: Medford is 5,201st of 19,457 places nationwide.
- Growth rank: Medford ranks 134th among Wisconsin's 605 places for the 2020-to-2023 change.
- Versus Wisconsin: the state average change is +0.4%, while Medford moved 1.4%.
- Density rank: Medford places 235th among Wisconsin's places by people per square mile.
- Density in context: Medford's 971 people per square mile sit against a Wisconsin median of 800.
- Location: 45.1354, -90.3435 (US Census Bureau Gazetteer).
- Nearest larger cities: Merrill (31 mi); Marshfield (34 mi); Wausau (36 mi); Rothschild (40 mi); Mosinee (40 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller places: Stetsonville (4 mi); Dorchester (9 mi); Abbotsford (13 mi).
- Smaller places within 50 miles: 49 of them.
- Larger places within 100 miles: 29.
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.
| 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 |
| Small-loan / installment lender licensing | Licensed 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.
Common questions
What are my options in Medford if my credit is poor?
What loan size can I expect in Medford?
Do I have to pledge anything to borrow in Medford?
Does comparing loans in Medford cost me credit score points?
Nearby places
- Stetsonville, WI — population 562
- Dorchester, WI — population 834
- Abbotsford, WI — population 2,321
- Curtiss, WI — population 466
- Colby, WI — population 1,926
- Rib Lake, WI — population 919
- Athens, WI — population 1,069
- Unity, WI — population 377