Wisconsin Best Personal Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Wisconsin personal loan rates range from 5.74% to 13.25% APR, verified by MonitorBankRates as of October 13, 2026. Current personal loan options available to borrowers in Wisconsin include: Marshfield Medical Center Credit UnionMarshfield Medical Center Credit Union302 W Upham St, Marshfield, WI, 54449 1461A+5.0 ★Texas Ratio: 0.69% offering Solar Loans at 5.74% APR, Park Manor Christian Church Credit UnionPark Manor Christian Church Credit Union8348 Corporate Dr, Mount Pleasant, WI, 53406A5.0 ★Texas Ratio: 12.50% offering Unsecured Personal Loan at 5.99% APR, Cranberry Federal Credit UnionCranberry Federal Credit Union600 N Vel R Phillips Ave, Milwaukee, WI, 53203 2807A+5.0 ★Texas Ratio: 5.35% offering Personal Loans at 6.99% APR, Evergreen Credit UnionEvergreen Credit Union1500 W American Dr, Neenah, WI, 54956A+5.0 ★Texas Ratio: 5.16% offering Solar Loan at 6.99% APR, and Tri County Credit Union Marinette, WITri County Credit Union Marinette, WI2205 Hall Ave, Marinette, WI, 54143A-5.0 ★Texas Ratio: 14.20% offering Signature Loans at 6.99% APR. Personal loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Wisconsin side-by-side. Wisconsin personal loan rates currently start as low as 5.74% APR from Marshfield Medical Center Credit Union at 302 W Upham St, Marshfield, WI, 54449 1461. Rates are continually updated, so we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics, including A-F Safety Grades, verified Star Ratings, and Texas Ratios, so you can confidently borrow from a stable, highly-rated institution in Wisconsin.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Wisconsin. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: October 13, 2026
Wisconsin Personal Loan Rates
Term: Installation-Up to 18 Months; As Low As; Annual Percentage Rate is the lowest rate offered with qualifying member relationship; Rates shown include 0.25% reduction for qualifying member relationship; Monthly interest payments based on the amount outstanding
Based on credit worthiness
As Low As; Annual Percentage Rate is the lowest rate offered with qualifying member relationship; Rates shown include 0.25% reduction for qualifying member relationship
As Low As; Annual Percentage Rate is the lowest rate offered with qualifying member relationship; Rates shown include 0.25% reduction for qualifying member relationship
As Low As; $25,000 Max
Based on credit worthiness
As Low As; Cost Per $1000: $19.80; Merit based price in effect; actual rate may vary based on credit score; Terms up to 10 years; $20,000 maximum loan; Solar projects on primary home only; No equity required; Some restrictions apply; Rates effective 09/24/2026
No additional details available.
As Low As
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
Published APR range: 7.25%-11.25%. Please Contact Us for more information on all available loan rates and programs.
- Oct 3, 20267.25%▲ from 6.75%
- Sep 16, 20266.75%first recorded
As Low As; Loan amounts up to $30,000, terms up to 84 months
Based on $10,000 loan amount
- Sep 19, 20267.46%▼ from 7.47%
- Sep 16, 20267.47%first recorded
Based on $10,000 loan amount
- Sep 19, 20267.64%▼ from 7.65%
- Sep 16, 20267.65%first recorded
up to $15,000; As Low As; Effective Date as of 10/13/2026; includes 0.25% relationship discount for members with two qualifying services
As Low As; $25,000 Max
As Low As; 5, 10 and 15 year fixed rate available; Loan amounts up to $50,000; Rate is dependent on credit history; Rates effective as of 10-13-2026
Based on credit worthiness
Additional APR listed for this product: 8.99%, 9.99%. Credit score of 750 or more; All unsecured loans require 10% of the amount being borrowed to be secured in a share account
No additional details available.
As low as 7.99%; Up to $25,000
Based on $10,000 loan amount
- Sep 19, 20268.27%▼ from 8.28%
- Sep 16, 20268.28%first recorded
Based on $10,000 loan amount
- Sep 19, 20268.35%▼ from 8.35%
- Sep 16, 20268.35%first recorded
As Low As; Minimum loan amount for unsecured loans is $500
APR*; terms vary; requires active checking account with at least $400 in deposits each month and 12 withdrawals of $5 or more; $2,500 minimum new loan money or additional $2,500 to any existing loan
PMT/$1000: $31.57
As Low As; Loan amounts up to $30,000, terms up to 84 months
As Low As; Term Up To 48 months; APR is the lowest rate offered with qualifying member relationship
No additional details available.
As Low As; Loan amounts up to $30,000, terms up to 84 months
As Low As; Featured rate; Rates effective as of 05/29/2026
Based on credit worthiness
No additional details available.
As Low As; Loan Rate (APR*)
As Low As; Rates current as of 10/13/2026
As low as 8.99%; Up to $25,000
As Low As; Loan amount: $500 to $15,000
No additional details available.
As Low As; Rates as low as 9.00% APR*
Monthly Payment per $1,000 borrowed: $87.46; As Low As; APR is quoted as low as to include 0.25% discount for automatic payment and WCCU checking; Effective 10/1/2026
Amount: Up to $5,000; Rates listed are lowest possible with qualifying credit score of 651 or higher and eligible rate discounts
Up to $10,000 (Guideline Only); with Direct Deposit & Autopay
No additional details available.
As Low As; Loan amount $15,000; credit score >=780; $59 one-time loan processing fee reflected in APR
- Oct 1, 20269.38%▲ from 8.88%
- Sep 22, 20268.88%first recorded
Up to $10,000 (Guideline Only); with Direct Deposit & Autopay
As Low As; Minimum loan amount for unsecured loans is $500
As Low As; Loan amounts up to $30,000, terms up to 84 months
As Low As; Promotions and Rates featured rate
As Low As; APR as low as (Type: Personal)
PMT/$1000: $25.12
As Low As; Personal Loans; Estimated monthly payment per $1000 for 60 months: $21.00 (payment figure not stored as a rate)
As Low As; Amount: Over $2,000
As Low As; APR effective 08/20/2025; Individual rates and terms may vary based on credit history and credit score
Up to $10,000 (Guideline Only); Base Rate (APR*)
- Oct 13, 20269.70%▲ from 9.20%
- Oct 5, 20269.20%first recorded
As Low As; Loan amounts up to $30,000, terms up to 84 months
$1,000 - $15,000
As Low As; Monthly payment per $1000 not captured
No additional details available.
As Low As; Loan amount: $500 to $15,000
As Low As; rate based on excellent credit and auto payment and electronic signing with estatements
up to $15,000; As Low As; Effective Date as of 10/13/2026; includes 0.25% relationship discount for members with two qualifying services
As Low As
Under $10,000; As Low As; Unsecured signature fixed rate loan; payment based on 36-month term per footnote (4)
Additional APR listed for this product: 10.90%. As Low As; Share Secured and Unsecured Signature Fixed rate loans; payment based on 36-month term
No additional details available.
As Low As
$1,000; As Low As; $1,000 minimum; Rates posted are the lowest available to qualified borrowers
Up to $10,000 (Guideline Only); Base Rate (APR*)
- Oct 13, 20269.95%▲ from 9.45%
- Oct 5, 20269.45%first recorded
As Low As; Terms: 72 Months at least $15,000.00+; 60 Months at least $10,000.00+; 48 Months at least $5,000.00+; 36 Months can be less than $4,999.99
As Low As; Loan amounts up to $30,000, terms up to 84 months
Published APR range: 9.99% - 16.99%. Rates based on approved credit
As Low As; Rates effective as of 05/01/2026
As Low As; Banner rate; Rates vary on credit score
APR posted is for credit score 740 and above; membership requirements apply
No additional details available.
Credit Grade: (A+) 730+
- Oct 1, 20269.99%▲ from 7.99%
- Sep 14, 20267.99%first recorded
No additional details available.
As Low As; Lifestyle Signature Loans
As Low As; Rates current as of 10/13/2026
As Low As; Max limit under $2000
No additional details available.
As Low As; Amount: $1,000 to $2,000
No additional details available.
As Low As; Personal Loan Rates effective as of 9/01/2026
As Low As
Base personal loan rate; Loan rate based on term, credit score, and credit tiers
$1,000; As Low As; $1,000 minimum; Rates posted are the lowest available to qualified borrowers
As Low As; Loan amount $15,000; credit score >=780; $59 one-time loan processing fee reflected in APR
- Oct 1, 202610.20%▲ from 9.70%
- Sep 22, 20269.70%first recorded
Up to $10,000 (Guideline Only); Base Rate (APR*)
As Low As; Loan amounts up to $30,000, terms up to 84 months
Credit Grade: (A) 680-729
- Oct 1, 202610.24%▲ from 8.24%
- Sep 14, 20268.24%first recorded
As Low As; Payment per $1,000 column excluded
No additional details available.
As Low As; Loan amount: $500 to $15,000
Base personal loan rate; Loan rate based on term, credit score, and credit tiers
Up to $10,000 (Guideline Only); Base Rate (APR*)
As Low As; Rates effective as of 05/01/2026
As Low As; Cost Per $1000: $32.50; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship. Rates effective 09/24/2026.
No additional details available.
As Low As; APR (as low as)
As Low As
As Low As; Rates current as of 10/13/2026
As Low As
As Low As; Loan amount: $500 to $15,000
As Low As; Payment per $1,000: $25.62 (excluded from rate); rates require checking account, direct deposit, and auto payment to the loan
Base personal loan rate; Loan rate based on term, credit score, and credit tiers
$1,000; As Low As; $1,000 minimum; Rates posted are the lowest available to qualified borrowers
As Low As; Credit Grade: A+; Personal loan payment example: $20,000 for 36 months at 10.74% APR; Borrow up to $20,000; Membership required
No additional details available.
As Low As; APR (as low as)
As Low As
No additional details available.
As Low As
As Low As; 60 Months (max term); Rate is based on credit score and term; Payment: Monthly Payment of 21.62 per $1,000
As Low As; APR effective 08/20/2025; Individual rates and terms may vary based on credit history and credit score
As Low As
$10,000; As Low As; Unsecured signature fixed rate loan; payment based on 36-month term per footnote (4)
No additional details available.
As Low As; Lowest APR; Terms may be limited based upon credit history
Published APR range: 10.99% - 18.00%. Rates based on approved credit
As Low As; Rates effective as of 05/01/2026
Credit Score: 735+; PMT/$1K $21.75
Credit score of 750 or more; only for loans over $5,000.00; All unsecured loans require 10% of the amount being borrowed to be secured in a share account
Up to $10,000; As Low As; Amount: Up to $10,000
No additional details available.
No additional details available.
As Low As; APR (as low as)
Loan amount: $10000-$25000
Payment per $1,000 not extracted; Maximum loan amount based on income; Minimum loan amounts based on term
As Low As
$5,000; As Low As; Personal Loan Greater than $5,000, Up to 48 Months
As Low As; Personal Loans
As Low As; Amount: Less than $1,000
Rates effective as of 8/03/26
$1000.00; No credit union fees apply; Rate includes .25% deduction for automatic payments; Actual loan rate may vary based on credit score and other factors
As Low As; Loan amount $15,000; credit score >=780; 49-60 month term has a $10,000 minimum loan amount; $59 one-time loan processing fee reflected in APR
As Low As; Credit Grade: A; Borrow up to $20,000; Membership required
Credit Grade: (B) 640-679
- Oct 1, 202611.24%▲ from 9.24%
- Sep 14, 20269.24%first recorded
As Low As; Terms up to 60 Months based on amount borrowed
No additional details available.
Wisconsin Personal Loan Rates
Based on credit worthiness
As Low As; $25,000 Max
Based on credit worthiness
As Low As
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
As Low As; $25,000 Max
Based on credit worthiness
As Low As; Minimum loan amount for unsecured loans is $500
No additional details available.
Based on credit worthiness
No additional details available.
As Low As; Rates as low as 9.00% APR*
Amount: Up to $5,000; Rates listed are lowest possible with qualifying credit score of 651 or higher and eligible rate discounts
Up to $10,000 (Guideline Only); with Direct Deposit & Autopay
Up to $10,000 (Guideline Only); with Direct Deposit & Autopay
As Low As; Minimum loan amount for unsecured loans is $500
As Low As; Promotions and Rates featured rate
As Low As; APR as low as (Type: Personal)
As Low As; APR effective 08/20/2025; Individual rates and terms may vary based on credit history and credit score
Up to $10,000 (Guideline Only); Base Rate (APR*)
- Oct 13, 20269.70%▲ from 9.20%
- Oct 5, 20269.20%first recorded
No additional details available.
As Low As; rate based on excellent credit and auto payment and electronic signing with estatements
Under $10,000; As Low As; Unsecured signature fixed rate loan; payment based on 36-month term per footnote (4)
Up to $10,000 (Guideline Only); Base Rate (APR*)
- Oct 13, 20269.95%▲ from 9.45%
- Oct 5, 20269.45%first recorded
As Low As; Rates effective as of 05/01/2026
As Low As; Banner rate; Rates vary on credit score
APR posted is for credit score 740 and above; membership requirements apply
Base personal loan rate; Loan rate based on term, credit score, and credit tiers
Up to $10,000 (Guideline Only); Base Rate (APR*)
Base personal loan rate; Loan rate based on term, credit score, and credit tiers
Up to $10,000 (Guideline Only); Base Rate (APR*)
As Low As; Rates effective as of 05/01/2026
Base personal loan rate; Loan rate based on term, credit score, and credit tiers
No additional details available.
As Low As; 60 Months (max term); Rate is based on credit score and term; Payment: Monthly Payment of 21.62 per $1,000
As Low As; APR effective 08/20/2025; Individual rates and terms may vary based on credit history and credit score
$10,000; As Low As; Unsecured signature fixed rate loan; payment based on 36-month term per footnote (4)
As Low As; Rates effective as of 05/01/2026
Up to $10,000; As Low As; Amount: Up to $10,000
Loan amount: $10000-$25000
Payment per $1,000 not extracted; Maximum loan amount based on income; Minimum loan amounts based on term
As Low As
$5,000; As Low As; Personal Loan Greater than $5,000, Up to 48 Months
Wisconsin Debt Consolidation Loan Rates
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Term: 49 - 60 Months (5K Plus)
Wisconsin Signature Loan Rates
No additional details available.
As Low As; Loan amounts up to $30,000, terms up to 84 months
up to $15,000; As Low As; Effective Date as of 10/13/2026; includes 0.25% relationship discount for members with two qualifying services
No additional details available.
As low as 7.99%; Up to $25,000
APR*; terms vary; requires active checking account with at least $400 in deposits each month and 12 withdrawals of $5 or more; $2,500 minimum new loan money or additional $2,500 to any existing loan
PMT/$1000: $31.57
As Low As; Loan amounts up to $30,000, terms up to 84 months
As Low As; Loan amounts up to $30,000, terms up to 84 months
As Low As; Featured rate; Rates effective as of 05/29/2026
No additional details available.
As Low As; Rates current as of 10/13/2026
As low as 8.99%; Up to $25,000
Monthly Payment per $1,000 borrowed: $87.46; As Low As; APR is quoted as low as to include 0.25% discount for automatic payment and WCCU checking; Effective 10/1/2026
As Low As; Loan amount $15,000; credit score >=780; $59 one-time loan processing fee reflected in APR
- Oct 1, 20269.38%▲ from 8.88%
- Sep 22, 20268.88%first recorded
As Low As; Loan amounts up to $30,000, terms up to 84 months
PMT/$1000: $25.12
As Low As; Personal Loans; Estimated monthly payment per $1000 for 60 months: $21.00 (payment figure not stored as a rate)
As Low As; Amount: Over $2,000
As Low As; Loan amounts up to $30,000, terms up to 84 months
$1,000 - $15,000
As Low As; Monthly payment per $1000 not captured
up to $15,000; As Low As; Effective Date as of 10/13/2026; includes 0.25% relationship discount for members with two qualifying services
As Low As
No additional details available.
As Low As
$1,000; As Low As; $1,000 minimum; Rates posted are the lowest available to qualified borrowers
As Low As; Terms: 72 Months at least $15,000.00+; 60 Months at least $10,000.00+; 48 Months at least $5,000.00+; 36 Months can be less than $4,999.99
As Low As; Loan amounts up to $30,000, terms up to 84 months
Published APR range: 9.99% - 16.99%. Rates based on approved credit
Credit Grade: (A+) 730+
- Oct 1, 20269.99%▲ from 7.99%
- Sep 14, 20267.99%first recorded
No additional details available.
As Low As; Rates current as of 10/13/2026
No additional details available.
As Low As; Amount: $1,000 to $2,000
As Low As
$1,000; As Low As; $1,000 minimum; Rates posted are the lowest available to qualified borrowers
As Low As; Loan amount $15,000; credit score >=780; $59 one-time loan processing fee reflected in APR
- Oct 1, 202610.20%▲ from 9.70%
- Sep 22, 20269.70%first recorded
As Low As; Loan amounts up to $30,000, terms up to 84 months
Credit Grade: (A) 680-729
- Oct 1, 202610.24%▲ from 8.24%
- Sep 14, 20268.24%first recorded
As Low As; Cost Per $1000: $32.50; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship. Rates effective 09/24/2026.
As Low As; APR (as low as)
As Low As; Rates current as of 10/13/2026
As Low As
$1,000; As Low As; $1,000 minimum; Rates posted are the lowest available to qualified borrowers
As Low As; APR (as low as)
As Low As
As Low As
No additional details available.
As Low As; Lowest APR; Terms may be limited based upon credit history
Published APR range: 10.99% - 18.00%. Rates based on approved credit
Credit Score: 735+; PMT/$1K $21.75
No additional details available.
As Low As; APR (as low as)
As Low As; Amount: Less than $1,000
As Low As; Loan amount $15,000; credit score >=780; 49-60 month term has a $10,000 minimum loan amount; $59 one-time loan processing fee reflected in APR
Credit Grade: (B) 640-679
- Oct 1, 202611.24%▲ from 9.24%
- Sep 14, 20269.24%first recorded
Wisconsin Personal Loan Rate Trends
Compare local Wisconsin personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Wisconsin personal loan rates rose 0.069 points over the past 7 days to 10.830% APR.
Wisconsin signature loan rates rose 0.340 points over the past 7 days to 10.499% APR.
Wisconsin Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Wisconsin figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current WI average personal loan APR of 10.83%, across the terms lenders serving Wisconsin most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $232.65/mo | $163.29/mo | $128.82/mo | $108.29/mo |
| $10,000 | $465.29/mo | $326.58/mo | $257.63/mo | $216.58/mo |
| $15,000 | $697.94/mo | $489.88/mo | $386.45/mo | $324.87/mo |
| $25,000 | $1,163.23/mo | $816.46/mo | $644.08/mo | $541.45/mo |
| $35,000 | $1,628.52/mo | $1,143.04/mo | $901.71/mo | $758.02/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Wisconsin
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the WI personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (WI average) | 10.83% | $386.45 | $3,549 | |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,601 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,135 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,727 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in Wisconsin
Prequalify With a Soft Credit Check
Most lenders serving Wisconsin will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Wisconsin data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured Wisconsin auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Wisconsin high-yield savings account costs nothing and earns interest instead of paying it
Wisconsin Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $386 monthly loan payment is roughly 9.9% of the median individual income in Wisconsin. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Wisconsin.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1 to 3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3 to 5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current WI average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Wisconsin personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Wisconsin directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Wisconsin. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in WI.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Personal Loans for Bad Credit in Wisconsin
A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.
Ask About a Payday Alternative Loan
Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.
Secure the Loan With Savings
A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.
Add a Cosigner or Co-borrower
A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.
Prequalify Before You Apply
Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.
Avoid Payday and Title Loans
The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.
Frequently Asked Questions
What credit score do I need for a personal loan in Wisconsin?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Wisconsin?
Are credit unions or banks better for personal loans in Wisconsin?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
Can I get a personal loan with bad credit in Wisconsin?
What is the maximum APR on a bad credit personal loan from a credit union?
What are the best personal loan rates in Wisconsin?
- Marshfield Medical Center Credit Union: 5.74% (Solar Loans)
- Park Manor Christian Church Credit Union: 5.99% (Unsecured Personal Loan)
- Cranberry Federal Credit Union: 6.99% (Personal Loans)
- Evergreen Credit Union: 6.99% (Solar Loan)
- Tri County Credit Union Marinette, WI: 6.99% (Signature Loans)
