Personal loans in South Wayne, WI
Personal loans in South Wayne are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 446 population. South Wayne is one of 605 Census places in Wisconsin; its 446 residents put it at 498th.
Get pre-qualified with several lenders, then compare APR rather than the headline rate for a South Wayne loan. From the 2020 Census base to the 2023 estimate, the population rose by about 0.2%. For the 446 people in South Wayne, Wisconsin runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The closest larger city is Warren, IL about 8 miles away.
South Wayne by the numbers
South Wayne is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: a Census-estimated 446, 498th among Wisconsin's 605 places (Vintage 2023).
- Population trend: A rise of about 0.2% from 2020 to 2023.
- People gained or lost: about 1 more since the 2020 base.
- Size percentile: bigger than about 18% of the places in Wisconsin, with 446 residents in South Wayne.
- Population density: about 537 people per square mile across 0.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: South Wayne's 0.8 square miles rank 528th of 605 places in Wisconsin.
- State share: roughly 0.0% of Wisconsin's residents live in South Wayne (446 people).
- National rank: South Wayne is the 13,647th most populous of the 19,457 Census places covered here.
- Growth in Wisconsin: South Wayne stands 237th by percentage change from 2020 to 2023, among 605 places.
- Against the state trend: South Wayne's 0.2% change compares with a Wisconsin average of +0.4% across its 605 places.
- Density rank: South Wayne is the 403rd most densely settled place in Wisconsin.
- Density vs Wisconsin: South Wayne's 537 people per square mile compare with a state median of 800.
- Location: 42.5676, -89.8761 (US Census Bureau Gazetteer).
- Nearest larger cities: Warren (8 mi); Argyle (9 mi); Monroe (12 mi); Lena (13 mi); Orangeville (14 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Browntown (4 mi); Winslow (7 mi); Gratiot (8 mi), each with its own Census population profile.
- Smaller neighbours: 29 places smaller than South Wayne sit within 50 miles.
- At 100 miles: 487 larger Census places fall inside that radius.
What Wisconsin law requires in South Wayne
Read the table as a lender's compliance picture for South Wayne: 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 shapes a South Wayne personal loan
With roughly 446 residents, South Wayne is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a South Wayne lender to disclose the APR and finance charge before you sign. The term you choose in South Wayne decides the split between a comfortable payment and the total interest you pay.
South Wayne against the rest of Wisconsin
Against Wisconsin's other places, South Wayne accounts for about 0.0% of the state's population and ranks 498th of 605 by size. For population change between 2020 and 2023, South Wayne ranks 237th of 605 in Wisconsin (about the 61th percentile). By density, at about 537 people per square mile, it ranks 403rd in Wisconsin. Between 2020 and 2023 the count changed by roughly 1 residents.
Where South Wayne sits
Inside South Wayne's boundaries lie about 0.8 square miles of land, with no significant water area recorded. Spread across it are roughly 537 residents per square mile. The state's population centre of gravity, Milwaukee, is roughly 103 miles away. South Wayne has 100 larger places within a 50-mile radius. By land area it ranks 528th of 605 Wisconsin places.
Lender access in South Wayne
At roughly 537 people per square mile, South Wayne is moderately settled; 100 larger places lie within 50 miles. What is available to South Wayne's 446 borrowers is set by Wisconsin licensing and your own credit, not by how many branches are nearby. The nearest larger city, Warren, IL about 8 miles away.
Common questions
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Nearby places
- Browntown, WI — population 238
- Winslow, IL — population 273
- Nora, IL — population 109
- Argyle, WI — population 795
- Warren, IL — population 1,298
- Gratiot, WI — population 222
- Lena, IL — population 2,665
- Apple River, IL — population 335