Personal loans in Tomahawk, WI
Two households in Tomahawk with comparable incomes can still be offered different rates; the city's 3,385 residents are not the reason. About 3,385 people live in Tomahawk, placing it 195th of 605 Census places in Wisconsin.
The closest larger place is Rhinelander, WI about 17 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 1.7%. A single loan can carry different costs on either side of a state line, and Tomahawk sits on the Wisconsin side of that line. Judge Tomahawk offers on total cost, not on how quickly the money arrives.
The Tomahawk data picture
Tomahawk is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 3,385 residents; Tomahawk is the 195th-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 1.7% since the 2020 count.
- People gained or lost: about 57 fewer since the 2020 base.
- Size percentile: about 68% of Wisconsin communities are smaller than Tomahawk (3,385 residents).
- Population density: about 431 people per square mile (Census land area 7.9 sq mi).
- By land area: Tomahawk ranks 94th among Wisconsin's 605 places, at 7.9 sq mi.
- Water area: Tomahawk has 1.60 square miles of water, ranking 24th of 605 places in Wisconsin.
- Share of Wisconsin: Tomahawk holds about 0.1% of the state's population, some 3,385 people.
- Nationally: Tomahawk is the 5,920th-largest of 19,457 Census places in the dataset.
- Growth rank: Tomahawk's 2020-to-2023 change ranks 478th of 605 places in Wisconsin.
- Against the state trend: Tomahawk's 1.7% change compares with a Wisconsin average of +0.4% across its 605 places.
- Density in Wisconsin: Tomahawk ranks 453rd by people per square mile.
- Against the state median: Tomahawk runs about 431 residents per square mile, where the Wisconsin median is 800.
- Location: it lies at 45.4790, -89.7118 in the Census Gazetteer.
- Nearest larger cities: Rhinelander (17 mi); Merrill (21 mi); Antigo (36 mi); Wausau (36 mi); Medford (39 mi). Lenders licensed in the state serve Tomahawk whether or not they keep a local branch.
- Nearest smaller places: Rib Lake (26 mi); Prentice (28 mi); Maine (29 mi).
- Smaller places within 50 miles: 24 of them.
- Within 100 miles: 32 places are larger than Tomahawk.
A pre-application checklist for Tomahawk
For Tomahawk's roughly 3,385 residents, these are the steps that most influence the offer:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Use the loan calculator to test the payment on your intended amount and term.
- Line up several pre-qualified offers and let the APR decide.
- Check the Wisconsin regulator's records to confirm the lender is licensed here.
- Pick the shortest term whose payment you can comfortably afford.
- Borrow only what the purpose requires, not the maximum you are offered.
- Write down the purpose of the loan and your repayment plan before you apply.
What differs between Tomahawk and the rest of Wisconsin is not the process but the borrower's own file, among the 3,385 people here.
What shapes a Tomahawk personal loan
Most loans made to Tomahawk's 3,385 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Tomahawk loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Tomahawk loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Tomahawk: area, density and distance
Tomahawk covers about 7.9 square miles of land, with 1.60 square miles of water inside its boundaries (Census Gazetteer). With 3,385 residents, the land area yields roughly 431 people per square mile. Milwaukee, the largest place in Wisconsin, is about 188 miles from Tomahawk. A 50-mile radius around Tomahawk takes in 9 places that are larger. By land area it ranks 94th of 605 Wisconsin places.
The state rulebook for Tomahawk
This table holds the Wisconsin rate and licensing rules for consumer loans made to Tomahawk's 3,385 residents.
| 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 |
Where Tomahawk sits in Wisconsin
Set beside Wisconsin's 605 places, Tomahawk ranks 195th by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 478th of 605 Wisconsin places, putting it near the 21th percentile for growth. By density, at about 431 people per square mile, it ranks 453rd in Wisconsin. By land area, its 7.9 square miles rank 94th of 605 places in Wisconsin.
Common questions
What are my options in Tomahawk if my credit is poor?
What loan size can I expect in Tomahawk?
Do I have to pledge anything to borrow in Tomahawk?
Does comparing loans in Tomahawk cost me credit score points?
Nearby places
- Merrill, WI — population 9,089
- Rhinelander, WI — population 8,185
- Maine, WI — population 2,616
- Rib Lake, WI — population 919
- Wausau, WI — population 39,968
- Marathon City, WI — population 1,560
- Schofield, WI — population 2,154
- Athens, WI — population 1,069