Personal loans in Waterford, WI

Where Waterford stands

The figures below are Waterford's own — Census population, land area and coordinates — followed by the Wisconsin rules.

• Population: 5,744 people, a figure that places Waterford 141st among the 605 Census places in Wisconsin (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 3.6% from 2020 to 2023.
• Absolute change: 202 residents added between 2020 and 2023.
• Size percentile: about 77% of Wisconsin communities are smaller than Waterford (5,744 residents).
• Density: the Census land area of 2.6 sq mi holds about 2,252 people per square mile.
• Land area: Waterford covers 2.6 square miles, the 265th-largest area among Wisconsin's 605 places.
• Water area: Waterford has 0.11 square miles of water, ranking 183rd of 605 places in Wisconsin.
• State population share: Waterford accounts for about 0.1% of everyone in Wisconsin.
• National rank: Waterford is the 4,469th most populous of the 19,457 Census places covered here.
• Growth rank: Waterford ranks 53rd among Wisconsin's 605 places for the 2020-to-2023 change.
• State comparison: Wisconsin's places average +0.4% for 2020-to-2023, against Waterford's 3.6%.
• Density rank: Waterford is the 46th most densely settled place in Wisconsin.
• Against the state median: Waterford runs about 2,252 residents per square mile, where the Wisconsin median is 800.
• Location: 42.7660, -88.2168 (US Census Bureau Gazetteer).
• Nearest larger cities: Burlington (7 mi); Mukwonago (8 mi); Vernon (8 mi); Muskego (8 mi); Franklin (13 mi). Lenders licensed in the state serve Waterford whether or not they keep a local branch.
• Smaller places nearby: Rochester (3 mi); Big Bend (8 mi); East Troy (9 mi).
• Smaller places within 50 miles: 92 of them.
• Within 100 miles: 315 places are larger than Waterford.

Wisconsin rules behind a Waterford personal loan

Wisconsin has no separate rate rule for Waterford; the sourced rows below are what reach every lender that serves its 5,744 people.

The Waterford borrowing checklist

A sensible order of operations for a loan in Waterford, home to about 5,744 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Look the lender up in the Wisconsin regulator's licence records before you sign.
5. Pick the shortest term whose payment you can comfortably afford.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Be clear on what the loan is for and how it gets repaid.

The process is identical across Wisconsin; what changes is your credit file, not the fact that Waterford holds 5,744 people.

Where Waterford sits in Wisconsin

Set beside Wisconsin's 605 places, Waterford ranks 141st by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Waterford stands 53rd among Wisconsin's 605 places — roughly the 91th percentile. By density, at about 2,252 people per square mile, it ranks 46th in Wisconsin. Between 2020 and 2023 the count changed by roughly 202 residents.

Lender access in Waterford

Waterford is a fairly dense community of about 5,744 people, with 123 larger places inside a 50-mile radius. What is available to Waterford's 5,744 borrowers is set by Wisconsin licensing and your own credit, not by how many branches are nearby. The nearest larger city, Burlington, WI about 7 miles away.

What shapes a Waterford personal loan

With roughly 5,744 residents, Waterford is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Waterford's rank of 141st in Wisconsin: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Waterford loan is knowable in advance — unlike a revolving card balance.