Personal loans in Ripon, WI
Ripon counts about 7,766 people, and what is genuinely local about borrowing here is limited — Wisconsin law does the governing. Judge Ripon offers on total cost, not on how quickly the money arrives.
Roughly 7,766 residents live in Ripon, the 123rd-largest community in Wisconsin. Every figure below is Wisconsin's own, applied to Ripon's 7,766 residents, with the publisher and retrieval date attached. Ripon shed about 1.1% of its population between the 2020 base and the 2023 estimate. The nearest larger city is Waupun, WI about 15 miles away.
What the Census records for Ripon
Read the local figures below as context; read the sourced Wisconsin table as the rulebook a lender here must follow.
- Population: 7,766 people, a figure that places Ripon 123rd among the 605 Census places in Wisconsin (US Census Bureau, Vintage 2023).
- Population trend: About 1.1% below the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a loss of about 89 residents.
- Size percentile: Ripon sits ahead of around 80% of Wisconsin places, at 7,766 people.
- Population density: about 1,538 people per square mile across 5.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Ripon covers 5.0 square miles, the 143rd-largest area among Wisconsin's 605 places.
- Water area: Ripon has 0.05 square miles of water, ranking 229th of 605 places in Wisconsin.
- Share of Wisconsin: Ripon holds about 0.2% of the state's population, some 7,766 people.
- Nationally: Ripon is the 3,744th-largest of 19,457 Census places in the dataset.
- Growth rank: Ripon's 2020-to-2023 change ranks 409th of 605 places in Wisconsin.
- Versus Wisconsin: the state average change is +0.4%, while Ripon moved 1.1%.
- Density in Wisconsin: Ripon ranks 110th by people per square mile.
- Density in context: Ripon's 1,538 people per square mile sit against a Wisconsin median of 800.
- Location: latitude 43.8436, longitude -88.8379 (Census Gazetteer).
- Nearest larger cities: Waupun (15 mi); Oshkosh (18 mi); Fond du Lac (20 mi); Beaver Dam (26 mi); Neenah (28 mi). Lenders licensed in the state serve Ripon whether or not they keep a local branch.
- Nearest smaller towns: Green Lake (6 mi); Fairwater (7 mi); Brandon (8 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 97 of them.
- Within 100 miles: 108 places are larger than Ripon.
Wisconsin rules behind a Ripon personal loan
Read the table as a lender's compliance picture for Ripon: 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 |
| 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 |
| 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 |
Where Ripon sits
Ripon's land area is about 5.0 square miles; a further 0.05 square miles is water. That land carries about 1,538 people per square mile. Milwaukee, the largest place in Wisconsin, is about 69 miles from Ripon. Counting outward 50 miles, 21 larger communities surround Ripon. The 100-mile radius contains 108 larger places.
Getting a loan in Ripon
With about 1,538 residents per square mile, Ripon is moderately settled, and 21 larger Census places sit within 50 miles. A Wisconsin licence lets a lender serve Ripon without a local office, so branch density does not change what its 7,766 residents are offered. The nearest larger city, Waupun, WI about 15 miles away.
The anatomy of a Ripon personal loan
A Ripon personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 7,766 residents. A lender serving Ripon's 7,766 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Ripon loan is knowable in advance — unlike a revolving card balance.
Ripon in state context
Against Wisconsin's other places, Ripon accounts for about 0.2% of the state's population and ranks 123rd of 605 by size. Its 2020-to-2023 change ranks 409th of 605 Wisconsin places, putting it near the 32th percentile for growth. By density, at about 1,538 people per square mile, it ranks 110th in Wisconsin. By land area, its 5.0 square miles rank 143rd of 605 places in Wisconsin.
Common questions
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Nearby places
- Fairwater, WI — population 341
- Green Lake, WI — population 1,024
- Brandon, WI — population 870
- Berlin, WI — population 5,611
- Rosendale, WI — population 1,033
- Markesan, WI — population 1,375
- Omro, WI — population 3,623
- Waupun, WI — population 11,039