Personal loans in Waterloo, WI

Work out your debt-to-income ratio first; lenders weigh it heavily, and Waterloo's 3,611 residents are no exception. State law, not city hall, decides what a lender may do to Waterloo's roughly 3,611 residents, and a state regulator supervises it. Census figures put the 2020-to-2023 increase in Waterloo at about 3.3%. Borrowers who want a bigger city can look to Marshall, WI about 4 miles away.

What the Census records for Waterloo

Two layers matter for a Waterloo borrower: the local population picture and Wisconsin's consumer-lending statutes.

• Population: about 3,611 people live here, which puts Waterloo 188th of 605 Census places in Wisconsin (Vintage 2023).
• Population trend: Growth of about 3.3% across the 2020-to-2023 comparison.
• Change in people: the 2020-to-2023 comparison is a gain of about 117 residents.
• Size percentile: bigger than about 69% of the places in Wisconsin, with 3,611 residents in Waterloo.
• Land and density: 3.8 square miles of land carry roughly 952 residents per square mile.
• Land area: Waterloo covers 3.8 square miles, the 189th-largest area among Wisconsin's 605 places.
• Water area: Waterloo has 0.07 square miles of water, ranking 206th of 605 places in Wisconsin.
• Share of state population: Waterloo's 3,611 residents are about 0.1% of Wisconsin.
• National standing: Waterloo ranks 5,743rd of 19,457 US places.
• Growth rank: Waterloo's 2020-to-2023 change ranks 59th of 605 places in Wisconsin.
• Against the state trend: Waterloo's 3.3% change compares with a Wisconsin average of +0.4% across its 605 places.
• Density in Wisconsin: Waterloo ranks 237th by people per square mile.
• Density vs Wisconsin: Waterloo's 952 people per square mile compare with a state median of 800.
• Location: the Census Gazetteer records it at 43.1835, -88.9900.
• Nearest larger cities: Marshall (4 mi); Lake Mills (8 mi); Columbus (11 mi); Sun Prairie (12 mi); Cottage Grove (13 mi). Living near a larger metro rarely changes what is available in Waterloo.
• Nearest smaller towns: Deerfield (10 mi); Reeseville (11 mi); Cambridge (12 mi).
• Within a 50-mile radius: 80 smaller Census places.
• Larger places within 100 miles: 256.

How a Waterloo personal loan is priced

Most loans made to Waterloo's 3,611 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Waterloo's rank of 188th in Wisconsin: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Waterloo loan but raises total interest, so the smallest payment is not the cheapest loan.

What Wisconsin law requires in Waterloo

Below are the Wisconsin rules that apply to a loan made in Waterloo, each with the regulator that issued it.

Borrowing reach in Waterloo

Waterloo is moderately settled, with about 952 people per square mile and 69 larger places within 50 miles. Whether Waterloo has a local branch or not, a Wisconsin-licensed lender can serve its 3,611 people online on the same terms. For a larger market, the closest option is Marshall, WI about 4 miles away.

Waterloo on the map

Inside Waterloo's boundaries lie roughly 3.8 square miles of land and 0.07 square miles of water. The resulting density is about 952 people per square mile. The state's population centre of gravity, Milwaukee, is roughly 52 miles away. Counting outward 50 miles, 69 larger communities surround Waterloo. Within the same 50 miles lie 80 smaller Census places.

How Waterloo compares across Wisconsin

Among Wisconsin's 605 places, Waterloo sits at 188th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Waterloo stands 59th among Wisconsin's 605 places — roughly the 90th percentile. By density, at about 952 people per square mile, it ranks 237th in Wisconsin. Within 50 miles sit 80 smaller Census places, alongside the 69 that are larger.