Personal loans in Oshkosh, WI

Compare APR, not the interest rate, because the APR folds in most fees on a Oshkosh loan. Rate ceilings, licensing requirements and product limits for Oshkosh are all set at the Wisconsin level. Population in Oshkosh dropped about 0.9% over the three years from 2020 to 2023. For a bigger market, look to Appleton, WI about 20 miles away.

Oshkosh by the numbers

Only a few things actually differ by place — population, area, location, and the Wisconsin rules a lender must follow — and they are below.

• Population: the Census counts 66,184 residents in Oshkosh (Vintage 2023 subcounty estimate), the 9th-largest figure among Wisconsin's 605 places.
• Population trend: Lower by roughly 0.9% since the 2020 count.
• People gained or lost: about 617 fewer since the 2020 base.
• Size percentile: Oshkosh sits ahead of around 99% of Wisconsin places, at 66,184 people.
• Population density: about 2,403 people per square mile across 27.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Oshkosh ranks 32nd among Wisconsin's 605 places, at 27.5 sq mi.
• Water: Oshkosh holds about 1.04 square miles, the 38th-largest water area in Wisconsin.
• State share: roughly 1.5% of Wisconsin's residents live in Oshkosh (66,184 people).
• Nationally: Oshkosh is the 571st-largest of 19,457 Census places in the dataset.
• Growth rank: Oshkosh's 2020-to-2023 change ranks 386th of 605 places in Wisconsin.
• State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Oshkosh's 0.9%.
• Density rank: Oshkosh is the 33rd most densely settled place in Wisconsin.
• Against the state median: Oshkosh runs about 2,403 residents per square mile, where the Wisconsin median is 800.
• Location: mapped by the US Census Bureau at 44.0232, -88.5623.
• Nearest larger cities: Appleton (20 mi); Green Bay (45 mi); Waukesha (72 mi); Milwaukee (73 mi); Madison (78 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller towns nearby: Omro (9 mi); Winneconne (10 mi); Neenah (11 mi).
• Within a 50-mile radius: 129 smaller Census places.
• Larger places within 100 miles: 6.

Steps to take before a Oshkosh loan

Before you apply in Oshkosh, a community of about 66,184, work through these steps:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Model the payment on the calculator before a lender models it for you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the Wisconsin licence with the regulator named above before committing.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

In Oshkosh as elsewhere in Wisconsin, the written terms — not the advertisement — are what count for its 66,184 residents.

Lender access in Oshkosh

At roughly 2,403 people per square mile, Oshkosh is fairly dense; 2 larger places lie within 50 miles. A Wisconsin licence lets a lender serve Oshkosh without a local office, so branch density does not change what its 66,184 residents are offered. The nearest bigger place is Appleton, WI about 20 miles away.

Oshkosh on the map

Inside Oshkosh's boundaries lie roughly 27.5 square miles of land and 1.04 square miles of water. The resulting density is about 2,403 people per square mile. Milwaukee, the largest place in Wisconsin, is about 73 miles from Oshkosh. Counting outward 50 miles, 2 larger communities surround Oshkosh. By land area it ranks 32nd of 605 Wisconsin places.

Oshkosh against the rest of Wisconsin

Within Wisconsin, Oshkosh holds roughly 1.5% of all residents, the 9th-largest share among 605 places. For population change between 2020 and 2023, Oshkosh ranks 386th of 605 in Wisconsin (about the 36th percentile). By density, at about 2,403 people per square mile, it ranks 33rd in Wisconsin. Within 50 miles sit 129 smaller Census places, alongside the 2 that are larger.

Wisconsin consumer-lending rules applied in Oshkosh

Every row below records a Wisconsin rule, its publisher and its retrieval date — the same rules a Oshkosh lender must follow.