Personal loans in St. Cloud, WI

Cloud, a personal loan is a tool whose cost turns on the terms, not the address. Compare APR, not the interest rate, because the APR folds in most fees on a St. Cloud loan. Consumer lending that reaches St. Cloud's 491 residents is governed by Wisconsin statute; no city ordinance changes it. The nearest larger city is Elkhart Lake, WI about 8 miles away.

The St. Cloud data picture

Here is the sourced Census picture for St. Cloud, plus the Wisconsin lending rules that apply to a loan taken out here.

• Population: an estimated 491 residents, 483rd of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
• Population trend: Steady across the 2020-to-2023 comparison.
• Size percentile: roughly 20% of Wisconsin's places have fewer residents than St. Cloud's 491.
• Population density: about 534 people per square mile across 0.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: St. Cloud covers 0.9 square miles, the 510th-largest area among Wisconsin's 605 places.
• Water area: St. Cloud has 0.02 square miles of water, ranking 337th of 605 places in Wisconsin.
• State population share: St. Cloud accounts for about 0.0% of everyone in Wisconsin.
• National rank: St. Cloud is the 13,246th most populous of the 19,457 Census places covered here.
• Growth in Wisconsin: St. Cloud stands 265th by percentage change from 2020 to 2023, among 605 places.
• State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against St. Cloud's 0.0%.
• Density rank: St. Cloud places 408th among Wisconsin's places by people per square mile.
• Density vs Wisconsin: St. Cloud's 534 people per square mile compare with a state median of 800.
• Location: 43.8224 / -88.1717, per the US Census Bureau Gazetteer.
• Nearest larger cities: Elkhart Lake (8 mi); New Holstein (10 mi); Kiel (10 mi); Plymouth (12 mi); Eden (13 mi). Living near a larger metro rarely changes what is available in St. Cloud.
• Smaller places nearby: Mount Calvary (3 mi); Glenbeulah (6 mi); Waldo (15 mi).
• Smaller neighbours: 14 places smaller than St. Cloud sit within 50 miles.
• At 100 miles: 316 larger Census places fall inside that radius.

The anatomy of a St. Cloud personal loan

With roughly 491 residents, St. Cloud is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving St. Cloud's 491 residents must disclose the APR and finance charge in writing before you sign. The term you choose in St. Cloud decides the split between a comfortable payment and the total interest you pay.

Land, water and location for St. Cloud

St. Cloud covers about 0.9 square miles of land, with 0.02 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 534 residents per square mile. For the state's biggest city, Milwaukee, the distance is roughly 53 miles. Within 50 miles of St. Cloud there are 108 larger Census places. Within the same 50 miles lie 14 smaller Census places.

Where St. Cloud sits in Wisconsin

Set beside Wisconsin's 605 places, St. Cloud ranks 483rd by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 265th of 605 Wisconsin places, putting it near the 56th percentile for growth. Its roughly 534 residents per square mile place it 408th among Wisconsin's places. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.

Borrowing reach in St. Cloud

At roughly 534 people per square mile, St. Cloud is moderately settled; 108 larger places lie within 50 miles. Whether St. Cloud has a local branch or not, a Wisconsin-licensed lender can serve its 491 people online on the same terms. The nearest bigger place is Elkhart Lake, WI about 8 miles away.

The state rulebook for St. Cloud

The rows below set out what a licensed lender must follow in Wisconsin, and so for St. Cloud's roughly 491 residents.