Personal loans in Mellen, WI

For a borrower among the roughly 698 residents of Mellen, a personal loan is a tool whose cost turns on the terms, not the address. Compare APR, not the interest rate, because the APR folds in most fees on a Mellen loan.

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.

With 698 residents, Mellen outranks about 29% of the communities in Wisconsin. To lend to Mellen's 698 residents, a company must hold a Wisconsin licence, and each sourced row below names the regulator behind it. A 2020-to-2023 comparison shows Mellen down by about 0.3%. Borrowers who want a bigger city can look to Ashland, WI about 20 miles away.

Where Mellen stands

Read the local figures below as context; read the sourced Wisconsin table as the rulebook a lender here must follow.

Mellen against the rest of Wisconsin

Mellen is the 428th-largest of 605 Census places in Wisconsin and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 306th of 605 Wisconsin places, putting it near the 49th percentile for growth. By density, at about 371 people per square mile, it ranks 485th in Wisconsin. The population moved by about 2 people between 2020 and 2023, a 0.3% shift.

How lenders reach Mellen

Mellen is a lightly settled community of about 698 people, with 10 larger places inside a 50-mile radius. What is available to Mellen's 698 borrowers is set by Wisconsin licensing and your own credit, not by how many branches are nearby. The nearest larger city, Ashland, WI about 20 miles away.

The Wisconsin lending rules that reach Mellen

This table holds the Wisconsin rate and licensing rules for consumer loans made to Mellen's 698 residents.

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

Land, water and location for Mellen

Mellen's land area is roughly 1.9 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 371 residents per square mile. For the state's biggest city, Milwaukee, the distance is roughly 261 miles. Within 50 miles of Mellen there are 10 larger Census places. The 100-mile radius contains 57 larger places.

What a Mellen borrower is actually offered

In Mellen, a small community of about 698, 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 Mellen can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Mellen 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 Mellen 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 Mellen is the same as anywhere in Wisconsin.
What loan size can I expect in Mellen?
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 Mellen?
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 Mellen 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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