Personal loans in Reedsburg, WI
Every figure below is Wisconsin's own, applied to Reedsburg's 10,190 residents, with the publisher and retrieval date attached. An estimated 10,190 people make their home in Reedsburg, a figure that ranks 95th in Wisconsin. For a borrower among the roughly 10,190 residents of Reedsburg, a personal loan is a tool whose cost turns on the terms, not the address. Reedsburg gained roughly 1.5% in population across the 2020-to-2023 comparison. Rate-shopping from Reedsburg costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The closest larger city is Baraboo, WI about 14 miles away.
Reedsburg: the sourced local profile
Here is the sourced Census picture for Reedsburg, plus the Wisconsin lending rules that apply to a loan taken out here.
- Population: about 10,190 people live here, which puts Reedsburg 95th of 605 Census places in Wisconsin (Vintage 2023).
- Population trend: A gain of roughly 1.5% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 155 residents.
- Size percentile: roughly 84% of Wisconsin's places have fewer residents than Reedsburg's 10,190.
- Density: roughly 1,672 residents per square mile, spread over 6.1 sq mi of land.
- Land area: Reedsburg covers 6.1 square miles, the 117th-largest area among Wisconsin's 605 places.
- Water area: Reedsburg has 0.11 square miles of water, ranking 182nd of 605 places in Wisconsin.
- Share of state population: Reedsburg's 10,190 residents are about 0.2% of Wisconsin.
- National rank: Reedsburg is 3,119th of 19,457 places nationwide.
- Growth rank: Reedsburg ranks 121st among Wisconsin's 605 places for the 2020-to-2023 change.
- State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Reedsburg's 1.5%.
- Density in Wisconsin: Reedsburg ranks 94th by people per square mile.
- Density in context: Reedsburg's 1,672 people per square mile sit against a Wisconsin median of 800.
- Location: the Census Gazetteer records it at 43.5351, -89.9955.
- Nearest larger cities: Baraboo (14 mi); Waunakee (37 mi); Middleton (38 mi); DeForest (39 mi); Madison (42 mi). Online lenders reach Reedsburg no matter how far the nearest branch is.
- Nearest smaller towns: Rock Springs (5 mi); Loganville (7 mi); La Valle (8 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 99 of them.
- At 100 miles: 54 larger Census places fall inside that radius.
Reedsburg on the map
The Census Gazetteer records 6.1 square miles of land and 0.11 square miles of water within Reedsburg. With 10,190 residents, the land area yields roughly 1,672 people per square mile. For the state's biggest city, Milwaukee, the distance is roughly 107 miles. Within 50 miles of Reedsburg there are 8 larger Census places. By land area it ranks 117th of 605 Wisconsin places.
Wisconsin rules behind a Reedsburg personal loan
Read the table as a lender's compliance picture for Reedsburg: the rule, the sourced figure, the publisher and the date.
| 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 |
What to do before borrowing in Reedsburg
These steps shape the offer you get in Reedsburg, a place of about 10,190 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Use the loan calculator to test the payment on your intended amount and term.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the lender holds a Wisconsin licence by checking the regulator named above.
- Weigh a shorter term's higher payment against the interest it saves.
- Borrow only what the purpose requires, not the maximum you are offered.
- Write down the purpose of the loan and your repayment plan before you apply.
In Reedsburg as elsewhere in Wisconsin, the written terms — not the advertisement — are what count for its 10,190 residents.
Reedsburg's place among Wisconsin's 605 places
Set beside Wisconsin's 605 places, Reedsburg ranks 95th by population and holds about 0.2% of the state total. Its 2020-to-2023 change ranks 121st of 605 Wisconsin places, putting it near the 80th percentile for growth. Its roughly 1,672 residents per square mile place it 94th among Wisconsin's places. The population moved by about 155 people between 2020 and 2023, a 1.5% shift.
What shapes a Reedsburg personal loan
A Reedsburg personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 10,190 residents. Because pricing is borrower-level, two people in Reedsburg can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Reedsburg loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Does comparing loans in Reedsburg cost me credit score points?
Nearby places
- Rock Springs, WI — population 325
- Loganville, WI — population 290
- La Valle, WI — population 377
- Ironton, WI — population 267
- North Freedom, WI — population 587
- Lime Ridge, WI — population 155
- Lyndon Station, WI — population 484
- Cazenovia, WI — population 354