Personal loans in Port Washington, WI
Port Washington gained roughly 3.3% in population across the 2020-to-2023 comparison. The Census estimates 12,763 residents in Port Washington, which ranks it 74th of 605 places in Wisconsin. Personal loans in Port Washington are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 12,763 population. Pull your credit reports and line up at least three offers before you apply from Port Washington. Consumer lending that reaches Port Washington's 12,763 residents is governed by Wisconsin statute; no city ordinance changes it. The closest larger place is Mequon, WI about 14 miles away.
Borrowing in Port Washington: the local picture
What follows is Port Washington's place in the Census record, alongside the Wisconsin rules that govern a personal loan made here.
- Population: about 12,763 people live here, which puts Port Washington 74th of 605 Census places in Wisconsin (Vintage 2023).
- Population trend: Roughly 3.3% more residents than the 2020 Census counted.
- People gained or lost: about 408 more since the 2020 base.
- Size percentile: Port Washington sits ahead of around 88% of Wisconsin places, at 12,763 people.
- Land and density: 6.0 square miles of land carry roughly 2,144 residents per square mile.
- Land area rank: Port Washington's 6.0 square miles rank 121st of 605 places in Wisconsin.
- Within Wisconsin: about 0.3% of the state's population lives in Port Washington.
- National standing: Port Washington ranks 2,651st of 19,457 US places.
- Growth rank: Port Washington's 2020-to-2023 change ranks 60th of 605 places in Wisconsin.
- State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Port Washington's 3.3%.
- Density in Wisconsin: Port Washington ranks 52nd by people per square mile.
- Density in context: Port Washington's 2,144 people per square mile sit against a Wisconsin median of 800.
- Location: 43.3849 / -87.8841, per the US Census Bureau Gazetteer.
- Nearest larger cities: Mequon (14 mi); West Bend (15 mi); Germantown (16 mi); Glendale (18 mi); Whitefish Bay (19 mi). Lenders licensed in the state serve Port Washington whether or not they keep a local branch.
- Smaller places close by: Saukville (3 mi); Grafton (5 mi); Fredonia (7 mi).
- Within a 50-mile radius: 90 smaller Census places.
- Larger places within 100 miles: 122.
Port Washington against the rest of Wisconsin
Against Wisconsin's other places, Port Washington accounts for about 0.3% of the state's population and ranks 74th of 605 by size. Its 2020-to-2023 change ranks 60th of 605 Wisconsin places, putting it near the 90th percentile for growth. Its roughly 2,144 residents per square mile place it 52nd among Wisconsin's places. The population moved by about 408 people between 2020 and 2023, a 3.3% shift.
A practical checklist for Port Washington borrowers
A sensible order of operations for a loan in Port Washington, home to about 12,763 people:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Model the payment on the calculator before a lender models it for you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's Wisconsin licence with the regulator listed on this page.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Make sure the new payment leaves room in a budget you already keep.
- Pick the shortest term whose payment you can comfortably afford.
What differs between Port Washington and the rest of Wisconsin is not the process but the borrower's own file, among the 12,763 people here.
How lenders reach Port Washington
Port Washington is a fairly dense community of about 12,763 people, with 30 larger places inside a 50-mile radius. Lenders licensed in Wisconsin reach Port Washington's 12,763 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Mequon, WI about 14 miles away.
Wisconsin consumer-lending rules applied in Port Washington
This table holds the Wisconsin rate and licensing rules for consumer loans made to Port Washington's 12,763 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 |
| Small-loan / installment lender licensing | Licensed 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 |
Land, water and location for Port Washington
Port Washington covers about 6.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 2,144 people per square mile. The state's population centre of gravity, Milwaukee, is roughly 23 miles away. Counting outward 50 miles, 30 larger communities surround Port Washington. The 100-mile radius contains 122 larger places.
Common questions
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Nearby places
- Saukville, WI — population 4,260
- Grafton, WI — population 12,608
- Fredonia, WI — population 2,284
- Belgium, WI — population 2,495
- Cedarburg, WI — population 12,527
- Newburg, WI — population 1,132
- Thiensville, WI — population 3,284
- Random Lake, WI — population 1,574