Personal loans in Random Lake, WI
A lender serving Random Lake holds a Wisconsin licence and answers to a Wisconsin regulator; no city office is involved for its 1,574 residents.
Random Lake is home to roughly 1,574 people and stands 293rd by size out of 605 Census places in Wisconsin. Read the disclosure for an origination fee and any prepayment penalty before signing in Random Lake. Census figures put the 2020-to-2023 increase in Random Lake at about 0.9%. For the 1,574 people in Random Lake, Wisconsin runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. A larger market lies at Fredonia, WI about 6 miles away.
Borrowing in Random Lake: the local picture
What follows is Random Lake's place in the Census record, alongside the Wisconsin rules that govern a personal loan made here.
- Population: the Census counts 1,574 residents in Random Lake (Vintage 2023 subcounty estimate), the 293rd-largest figure among Wisconsin's 605 places.
- Population trend: A rise of about 0.9% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 14 residents.
- Size percentile: bigger than about 52% of the places in Wisconsin, with 1,574 residents in Random Lake.
- Population density: about 1,044 people per square mile across 1.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Random Lake ranks 390th among Wisconsin's 605 places, at 1.5 sq mi.
- Water area: Random Lake has 0.34 square miles of water, ranking 99th of 605 places in Wisconsin.
- Within Wisconsin: about 0.0% of the state's population lives in Random Lake.
- National rank: Random Lake is 8,523rd of 19,457 places nationwide.
- Growth in Wisconsin: Random Lake stands 168th by percentage change from 2020 to 2023, among 605 places.
- State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Random Lake's 0.9%.
- Density rank: Random Lake places 210th among Wisconsin's places by people per square mile.
- Against the state median: Random Lake runs about 1,044 residents per square mile, where the Wisconsin median is 800.
- Location: mapped by the US Census Bureau at 43.5547, -87.9578.
- Nearest larger cities: Fredonia (6 mi); Belgium (7 mi); Cedar Grove (7 mi); Oostburg (10 mi); Saukville (11 mi). Lenders licensed in the state serve Random Lake whether or not they keep a local branch.
- Nearest smaller towns: Adell (5 mi); Cascade (8 mi); Waldo (8 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 39 of them.
- At 100 miles: 284 larger Census places fall inside that radius.
Getting a loan in Random Lake
With about 1,044 residents per square mile, Random Lake is moderately settled, and 83 larger Census places sit within 50 miles. Lenders licensed in Wisconsin reach Random Lake's 1,574 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Fredonia, WI about 6 miles away.
Where Random Lake sits
Random Lake's land area is about 1.5 square miles; a further 0.34 square miles is water. With 1,574 residents, the land area yields roughly 1,044 people per square mile. Milwaukee, the largest place in Wisconsin, is about 34 miles from Random Lake. Within 50 miles of Random Lake there are 83 larger Census places. By land area it ranks 390th of 605 Wisconsin places.
Random Lake in state context
Among Wisconsin's 605 places, Random Lake sits at 293rd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Random Lake stands 168th among Wisconsin's 605 places — roughly the 72th percentile. Its roughly 1,044 residents per square mile place it 210th among Wisconsin's places. In land area, Random Lake ranks 390th among Wisconsin's 605 places.
Which Wisconsin laws govern a loan in Random Lake
These are Wisconsin's sourced lending facts as they reach Random Lake's 1,574 residents; the state has no city-level rate rule.
| 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 |
The anatomy of a Random Lake personal loan
With roughly 1,574 residents, Random Lake is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Random Lake. Because the payment is fixed, the total cost of a Random Lake loan is knowable in advance — unlike a revolving card balance.
Common questions
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Nearby places
- Adell, WI — population 491
- Fredonia, WI — population 2,284
- Cascade, WI — population 718
- Belgium, WI — population 2,495
- Waldo, WI — population 478
- Cedar Grove, WI — population 2,108
- Newburg, WI — population 1,132
- Saukville, WI — population 4,260