Personal loans in Ogdensburg, WI

Two households in Ogdensburg with comparable incomes can still be offered different rates; the city's 183 residents are not the reason. At about 183 residents, Ogdensburg is larger than roughly 4% of the places in Wisconsin. The closest larger city is Manawa, WI about 5 miles away. The trend for Ogdensburg between 2020 and 2023 is downward by roughly 2.1%. Rate ceilings, licensing requirements and product limits for Ogdensburg are all set at the Wisconsin level. Verify the lender's Wisconsin licence against the regulator named below before borrowing in Ogdensburg.

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.

What the Census records for Ogdensburg

The figures below are Ogdensburg's own — Census population, land area and coordinates — followed by the Wisconsin rules.

How Ogdensburg compares across Wisconsin

Among Wisconsin's 605 places, Ogdensburg sits at 578th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Ogdensburg ranks 519th of 605 in Wisconsin (about the 14th percentile). By density, at about 188 people per square mile, it ranks 555th in Wisconsin. The population moved by about 4 people between 2020 and 2023, a 2.1% shift.

What Wisconsin law requires in Ogdensburg

For the roughly 183 residents of Ogdensburg, the rules below are Wisconsin's own; each row carries its publisher and retrieval date.

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

What a Ogdensburg borrower is actually offered

In Ogdensburg, a small community of about 183, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Ogdensburg. Shortening the term on a Ogdensburg loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Ogdensburg sits

Ogdensburg's land area is about 1.0 square miles; a further 0.05 square miles is water. The resulting density is about 188 people per square mile. Milwaukee, the largest place in Wisconsin, is about 110 miles from Ogdensburg. Ogdensburg has 93 larger places within a 50-mile radius. Within the same 50 miles lie 4 smaller Census places.

How lenders reach Ogdensburg

Ogdensburg is lightly settled, with about 188 people per square mile and 93 larger places within 50 miles. What is available to Ogdensburg's 183 borrowers is set by Wisconsin licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Manawa, WI about 5 miles away.

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