Personal loans in Menomonie, WI

The first question in Menomonie is not the rate on offer but whether the payment fits; about 16,642 people live here under Wisconsin lending law.

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.

Begin with the payment, then weigh APR and total interest across the lenders that reach Menomonie's 16,642 residents. With 16,642 residents, Menomonie outranks about 91% of the communities in Wisconsin. Rate ceilings, licensing requirements and product limits for Menomonie are all set at the Wisconsin level. Population in Menomonie dropped about 1.2% over the three years from 2020 to 2023. For a bigger market, look to Eau Claire, WI about 21 miles away.

Where Menomonie stands

Menomonie is a small town; the notes below cover its population profile and the statewide rules that apply.

What is available to Menomonie borrowers

Menomonie is a moderately settled community of about 16,642 people, with 7 larger places inside a 50-mile radius. Whether Menomonie has a local branch or not, a Wisconsin-licensed lender can serve its 16,642 people online on the same terms. The nearest bigger place is Eau Claire, WI about 21 miles away.

The geography behind Menomonie

Menomonie's land area is about 13.8 square miles; a further 1.74 square miles is water. Spread across it are roughly 1,208 residents per square mile. The state's population centre of gravity, Milwaukee, is roughly 233 miles away. Counting outward 50 miles, 7 larger communities surround Menomonie. Within the same 50 miles lie 88 smaller Census places.

The anatomy of a Menomonie personal loan

With roughly 16,642 residents, Menomonie is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Menomonie can be quoted different APRs on the same amount and term. The term you choose in Menomonie decides the split between a comfortable payment and the total interest you pay.

How Wisconsin law applies in Menomonie

The rows below set out what a licensed lender must follow in Wisconsin, and so for Menomonie's roughly 16,642 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
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

Menomonie in state context

Within Wisconsin, Menomonie holds roughly 0.4% of all residents, the 53rd-largest share among 605 places. For population change between 2020 and 2023, Menomonie ranks 422nd of 605 in Wisconsin (about the 30th percentile). Its roughly 1,208 residents per square mile place it 166th among Wisconsin's places. Between 2020 and 2023 the count changed by roughly 203 residents.

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