Personal loans in Poynette, WI
Poynette is a small community of about 2,558 residents, and a personal loan taken out here is governed by Wisconsin statute. Begin with the payment, then weigh APR and total interest across the lenders that reach Poynette's 2,558 residents.
By population, Poynette sits at 229th in Wisconsin, with an estimated 2,558 residents. For the 2,558 people in Poynette, Wisconsin runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Population in Poynette dropped about 1.6% over the three years from 2020 to 2023. The nearest larger city is Lodi, WI about 9 miles away.
The Poynette data picture
The figures below are Poynette's own — Census population, land area and coordinates — followed by the Wisconsin rules.
- Population: about 2,558 people live here, which puts Poynette 229th of 605 Census places in Wisconsin (Vintage 2023).
- Population trend: Lower by roughly 1.6% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a loss of about 42 residents.
- Size percentile: about 62% of Wisconsin's Census places are smaller than Poynette.
- Density: roughly 996 residents per square mile, spread over 2.6 sq mi of land.
- By land area: Poynette ranks 263rd among Wisconsin's 605 places, at 2.6 sq mi.
- Water area: Poynette has 0.03 square miles of water, ranking 292nd of 605 places in Wisconsin.
- State share: roughly 0.1% of Wisconsin's residents live in Poynette (2,558 people).
- National rank: Poynette is 6,774th of 19,457 places nationwide.
- Growth in Wisconsin: Poynette stands 475th by percentage change from 2020 to 2023, among 605 places.
- Versus Wisconsin: the state average change is +0.4%, while Poynette moved 1.6%.
- Density in Wisconsin: Poynette ranks 223rd by people per square mile.
- Density in context: Poynette's 996 people per square mile sit against a Wisconsin median of 800.
- Location: coordinates 43.3922, -89.4048 (US Census Bureau Gazetteer).
- Nearest larger cities: Lodi (9 mi); Portage (11 mi); DeForest (12 mi); Windsor (12 mi); Waunakee (15 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller places: Arlington (4 mi); Wyocena (9 mi); Rio (9 mi).
- Smaller neighbours: 77 places smaller than Poynette sit within 50 miles.
- Larger places within 100 miles: 222.
How lenders reach Poynette
Poynette is a moderately settled community of about 2,558 people, with 44 larger places inside a 50-mile radius. What is available to Poynette's 2,558 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 Lodi, WI about 9 miles away.
Where Poynette sits
Poynette covers about 2.6 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). With 2,558 residents, the land area yields roughly 996 people per square mile. The largest place in Wisconsin, Milwaukee, lies about 76 miles away. Poynette has 44 larger places within a 50-mile radius. The 100-mile radius contains 222 larger places.
The state rulebook for Poynette
Below are the Wisconsin rules that apply to a loan made in Poynette, each with the regulator that issued it.
| 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 |
| 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 status | Legal 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 |
A practical checklist for Poynette borrowers
For Poynette's roughly 2,558 residents, these are the steps that most influence the offer:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the Wisconsin licence with the regulator named above before committing.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Make sure the new payment leaves room in a budget you already keep.
None of these steps is Poynette-specific: the same Wisconsin licensing and disclosure rules reach all 2,558 residents.
Poynette's place among Wisconsin's 605 places
Among Wisconsin's 605 places, Poynette sits at 229th for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 475th of 605 Wisconsin places, putting it near the 21th percentile for growth. By density, at about 996 people per square mile, it ranks 223rd in Wisconsin. Between 2020 and 2023 the count changed by roughly 42 residents.
Common questions
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Nearby places
- Arlington, WI — population 834
- Wyocena, WI — population 741
- Lodi, WI — population 3,199
- Portage, WI — population 10,126
- Rio, WI — population 1,131
- Dane, WI — population 1,088
- DeForest, WI — population 11,107
- Pardeeville, WI — population 2,051