Personal loans in Paddock Lake, WI

Every figure below is Wisconsin's own, applied to Paddock Lake's 2,986 residents, with the publisher and retrieval date attached. The Census counts 2,986 people in Paddock Lake, the 213th-largest figure among Wisconsin's 605 places.

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.

The roughly 2,986 people who live in Paddock Lake borrow under Wisconsin rules; city hall sets no personal-loan rate. Census figures put the 2020-to-2023 increase in Paddock Lake at about 2.2%. Pull your credit reports and line up at least three offers before you apply from Paddock Lake. The closest larger place is Salem Lakes, WI about 3 miles away.

Paddock Lake: the sourced local profile

What follows is Paddock Lake's place in the Census record, alongside the Wisconsin rules that govern a personal loan made here.

Inside a Paddock Lake personal loan

Most loans made to Paddock Lake's 2,986 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Paddock Lake. A longer term lowers the monthly payment on a Paddock Lake loan but raises total interest, so the smallest payment is not the cheapest loan.

Paddock Lake: area, density and distance

Paddock Lake's land area is about 3.0 square miles; a further 0.21 square miles is water. With 2,986 residents, the land area yields roughly 987 people per square mile. Milwaukee, the largest place in Wisconsin, is about 35 miles from Paddock Lake. Within 50 miles of Paddock Lake there are 202 larger Census places. By land area it ranks 232nd of 605 Wisconsin places.

The Wisconsin lending rules that reach Paddock Lake

For the roughly 2,986 residents of Paddock Lake, 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
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

Borrowing reach in Paddock Lake

Paddock Lake is moderately settled, with about 987 people per square mile and 202 larger places within 50 miles. What is available to Paddock Lake's 2,986 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 Salem Lakes, WI about 3 miles away.

Paddock Lake's place among Wisconsin's 605 places

Paddock Lake is the 213th-largest of 605 Census places in Wisconsin and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 89th of 605 Wisconsin places, putting it near the 85th percentile for growth. By density, at about 987 people per square mile, it ranks 228th in Wisconsin. In land area, Paddock Lake ranks 232nd among Wisconsin's 605 places.

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