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.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

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.

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.

RuleDetailSource
State lending regulatorWisconsin 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 statusLegal 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.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in St. Francis if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in St. Francis is the same as anywhere in Wisconsin.
What loan size can I expect in St. Francis?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in St. Francis?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in St. Francis cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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