Personal loans in Rockdale, WI
The 2020 count to the 2023 estimate shows about 2.9% decline in Rockdale. Personal loans in Rockdale are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 204 population. At about 204 residents, Rockdale is larger than roughly 5% of the places in Wisconsin. The nearest larger metro is Cambridge, WI about 3 miles away. Rate ceilings, licensing requirements and product limits for Rockdale are all set at the Wisconsin level. Compare APR, not the interest rate, because the APR folds in most fees on a Rockdale loan.
Local context for Rockdale
Two layers matter for a Rockdale borrower: the local population picture and Wisconsin's consumer-lending statutes.
- Population: an estimated 204 residents, 574th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- Population trend: About 2.9% below the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a loss of about 6 residents.
- Size percentile: bigger than about 5% of the places in Wisconsin, with 204 residents in Rockdale.
- Population density: about 726 people per square mile (Census land area 0.3 sq mi).
- By land area: Rockdale ranks 599th among Wisconsin's 605 places, at 0.3 sq mi.
- Water: Rockdale holds about 0.02 square miles, the 330th-largest water area in Wisconsin.
- Share of Wisconsin: Rockdale holds about 0.0% of the state's population, some 204 people.
- Nationally: Rockdale is the 16,426th-largest of 19,457 Census places in the dataset.
- Growth in Wisconsin: Rockdale stands 564th by percentage change from 2020 to 2023, among 605 places.
- Versus Wisconsin: the state average change is +0.4%, while Rockdale moved 2.9%.
- Density rank: Rockdale places 327th among Wisconsin's places by people per square mile.
- Density in context: Rockdale's 726 people per square mile sit against a Wisconsin median of 800.
- Location: latitude 42.9700, longitude -89.0306 (Census Gazetteer).
- Nearest larger cities: Cambridge (3 mi); Deerfield (6 mi); Edgerton (9 mi); Lake Mills (10 mi); Fort Atkinson (10 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Caledonia (42 mi); Ridott (52 mi); Marquette (54 mi) — useful context for the surrounding area.
- Smaller neighbours: 1 places smaller than Rockdale sit within 50 miles.
- Larger places within 100 miles: 594.
The Wisconsin lending rules that reach Rockdale
Wisconsin has no separate rate rule for Rockdale; the sourced rows below are what reach every lender that serves its 204 people.
| 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 |
Rockdale against the rest of Wisconsin
Against Wisconsin's other places, Rockdale accounts for about 0.0% of the state's population and ranks 574th of 605 by size. For population change between 2020 and 2023, Rockdale ranks 564th of 605 in Wisconsin (about the 7th percentile). By density, at about 726 people per square mile, it ranks 327th in Wisconsin. In land area, Rockdale ranks 599th among Wisconsin's 605 places.
A pre-application checklist for Rockdale
Before you hand your details to a lender in Rockdale, where the population is near 204:
- Pull your credit reports first and correct any error before a lender sees the file.
- Test your amount and term in the personal loan calculator first.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the lender holds a Wisconsin licence by checking the regulator named above.
- Test the payment against your current bills before you commit.
- Weigh a shorter term's higher payment against the interest it saves.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
What differs between Rockdale and the rest of Wisconsin is not the process but the borrower's own file, among the 204 people here.
Borrowing reach in Rockdale
With about 726 residents per square mile, Rockdale is moderately settled, and 153 larger Census places sit within 50 miles. A Wisconsin licence lets a lender serve Rockdale without a local office, so branch density does not change what its 204 residents are offered. The nearest bigger place is Cambridge, WI about 3 miles away.
Where Rockdale sits
The Census Gazetteer records 0.3 square miles of land and 0.02 square miles of water within Rockdale. With 204 residents, the land area yields roughly 726 people per square mile. The largest place in Wisconsin, Milwaukee, lies about 54 miles away. A 50-mile radius around Rockdale takes in 153 places that are larger. By land area it ranks 599th of 605 Wisconsin places.
Common questions
What are my options in Rockdale if my credit is poor?
What loan size can I expect in Rockdale?
Do I have to pledge anything to borrow in Rockdale?
Does comparing loans in Rockdale cost me credit score points?
Nearby places
- Cambridge, WI — population 1,668
- Deerfield, WI — population 2,515
- Edgerton, WI — population 5,991
- Lake Mills, WI — population 6,602
- Fort Atkinson, WI — population 12,350
- Stoughton, WI — population 13,044
- Marshall, WI — population 3,810
- Cottage Grove, WI — population 8,880