Personal loans in St. Francis, WI
If you are weighing a personal loan in St. Francis, start from the payment you can carry; its 9,377 residents face the same statewide rules. With an estimated 9,377 residents, St. Francis is the 103rd-largest of 605 places in Wisconsin.
Population in St. Francis climbed about 2.4% over the three years from 2020 to 2023. State law, not city hall, decides what a lender may do to St. Francis's roughly 9,377 residents, and a state regulator supervises it. Verify the lender's Wisconsin licence against the regulator named below before borrowing in St. Francis. The next larger city is Cudahy, WI about 2 miles away.
Local context for St. Francis
Here is the sourced Census picture for St. Francis, plus the Wisconsin lending rules that apply to a loan taken out here.
- Population: a Census-estimated 9,377, 103rd among Wisconsin's 605 places (Vintage 2023).
- Population trend: Up about 2.4% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 217 more people than the 2020 Census counted.
- Size percentile: about 83% of Wisconsin's Census places are smaller than St. Francis.
- Land and density: 2.6 square miles of land carry roughly 3,666 residents per square mile.
- By land area: St. Francis ranks 264th among Wisconsin's 605 places, at 2.6 sq mi.
- State share: roughly 0.2% of Wisconsin's residents live in St. Francis (9,377 people).
- National standing: St. Francis ranks 3,289th of 19,457 US places.
- Growth rank: St. Francis's 2020-to-2023 change ranks 79th of 605 places in Wisconsin.
- Against the state trend: St. Francis's 2.4% change compares with a Wisconsin average of +0.4% across its 605 places.
- Density rank: St. Francis is the 8th most densely settled place in Wisconsin.
- Density vs Wisconsin: St. Francis's 3,666 people per square mile compare with a state median of 800.
- Location: latitude 42.9710, longitude -87.8717 (Census Gazetteer).
- Nearest larger cities: Cudahy (2 mi); South Milwaukee (4 mi); Oak Creek (7 mi); Greenfield (7 mi); Greendale (7 mi). Living near a larger metro rarely changes what is available in St. Francis.
- Smaller towns nearby: West Milwaukee (6 mi); Hales Corners (9 mi); Elm Grove (12 mi).
- Smaller places within 50 miles: 92 of them.
- At 100 miles: 231 larger Census places fall inside that radius.
How personal loans work in St. Francis
St. Francis is a small town of about 9,377 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in St. Francis. The term you choose in St. Francis decides the split between a comfortable payment and the total interest you pay.
St. Francis in state context
Among Wisconsin's 605 places, St. Francis sits at 103rd for population, a share of roughly 0.2% of the state. For population change between 2020 and 2023, St. Francis ranks 79th of 605 in Wisconsin (about the 87th percentile). By density, at about 3,666 people per square mile, it ranks 8th in Wisconsin. In land area, St. Francis ranks 264th among Wisconsin's 605 places.
How Wisconsin law applies in St. Francis
Every row below records a Wisconsin rule, its publisher and its retrieval date — the same rules a St. Francis lender must follow.
| 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 |
| 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 |
| 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 |
St. Francis on the map
The Census Gazetteer records about 2.6 square miles of land within St. Francis, with no significant water area listed. The resulting density is about 3,666 people per square mile. Milwaukee, the largest place in Wisconsin, is about 8 miles from St. Francis. Within 50 miles of St. Francis there are 56 larger Census places. Within the same 50 miles lie 92 smaller Census places.
Lender access in St. Francis
St. Francis is fairly dense, with about 3,666 people per square mile and 56 larger places within 50 miles. Lenders licensed in Wisconsin reach St. Francis's 9,377 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Cudahy, WI about 2 miles away.
Common questions
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Nearby places
- Cudahy, WI — population 17,706
- South Milwaukee, WI — population 20,211
- Oak Creek, WI — population 37,156
- West Milwaukee, WI — population 3,997
- Shorewood, WI — population 13,603
- Milwaukee, WI — population 561,385
- Greendale, WI — population 14,472
- Greenfield, WI — population 36,916