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.
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.
- Population: an estimated 698 residents, 428th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is negative, near 0.3%.
- Net change: roughly 2 fewer people than the 2020 Census counted.
- Size percentile: about 29% of Wisconsin's Census places are smaller than Mellen.
- Population density: about 371 people per square mile across 1.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Mellen ranks 335th among Wisconsin's 605 places, at 1.9 sq mi.
- Within Wisconsin: about 0.0% of the state's population lives in Mellen.
- National rank: Mellen is the 11,810th most populous of the 19,457 Census places covered here.
- Growth rank: Mellen ranks 306th among Wisconsin's 605 places for the 2020-to-2023 change.
- Versus Wisconsin: the state average change is +0.4%, while Mellen moved 0.3%.
- Density rank: Mellen places 485th among Wisconsin's places by people per square mile.
- Density in context: Mellen's 371 people per square mile sit against a Wisconsin median of 800.
- Location: latitude 46.3240, longitude -90.6605 (Census Gazetteer).
- Nearest larger cities: Ashland (20 mi); Montreal (21 mi); Hurley (23 mi); Ironwood (26 mi); Washburn (27 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller places: Mason (21 mi); Butternut (23 mi); Bayfield (35 mi).
- Within a 50-mile radius: 6 smaller Census places.
- Within 100 miles: 57 places are larger than Mellen.
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.
| 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 |
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.
Common questions
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Nearby places
- Ashland, WI — population 7,878
- Butternut, WI — population 367
- Mason, WI — population 105
- Washburn, WI — population 2,032
- Montreal, WI — population 794
- Park Falls, WI — population 2,369
- Hurley, WI — population 1,555
- Bayfield, WI — population 603