Personal loans in Kenosha, WI
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kenosha, WI.
The median household in Kenosha earns $71,239 a year, 8% below the Wisconsin median of $77,485. About 14% of residents live below the federal poverty line, and 41.3% of households rent their home.
Wisconsin law that applies in Kenosha
| Rate cap | A licensed lender's loan made after October 31, 1984 is not subject to any maximum interest rate. |
|---|---|
| License required | A DFI license is required to make a consumer loan with a finance charge above 18% a year, to take an assignment of such a loan, or to collect it directly, with a separate license for each place of business. |
Full rules with statute citations: Personal Loans in Wisconsin. Cities in Wisconsin cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Kenosha
Most Kenosha applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Kenosha
What Kenosha borrowers use it for
the fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Kenosha
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Kenosha
24 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Johnson Bank | 4 | 3928 60th St, Kenosha 53144 |
| U.S. Bank National Association | 3 | 5621 75th St, Kenosha 53142 |
| State Bank of the Lakes, National Association | 3 | 8700 75th St, Kenosha 53142 |
| The Huntington National Bank | 3 | 1815 63rd St, Kenosha 53143 |
| First American Bank | 2 | 7027 Green Bay Rd, Kenosha 53142 |
| North Shore Bank | 2 | 5117 Green Bay Rd, Kenosha 53144 |
| JPMorgan Chase Bank, National Association | 2 | 3611 80th St, Kenosha 53142 |
| BMO Bank National Association | 2 | 7535 Pershing Blvd, Kenosha 53142 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Kenosha
11 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Baxter | 7114 118Th Ave Stop 3, Kenosha 53142 |
| Summit | 6310 Green Bay Rd, Kenosha 53142 |
| Educators | 4215 Green Bay Rd, Kenosha 53144 |
| Trustone Financial | 6715 Green Bay Rd, Kenosha 53142 |
| Blackhawk Community | 7180 75Th St, Kenosha 53142 |
| Southern Lakes | 3000 80Th St, Kenosha 53142 |
| Kenosha Police And Firemen'S | 625 52Nd St, Kenosha 53140 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Kenosha County · Payday Loans in Kenosha · Title Loans in Kenosha
Frequently asked questions
Can I get a personal loan with bad credit in Kenosha?
Possibly. Lenders in our network consider applicants with fair and bad credit across Wisconsin, including Kenosha. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Kenosha, WI?
No rate cap for DFI-licensed lenders; license needed above 18%.
How fast can I get a personal loan in Kenosha?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Where can I find a loan for bad credit in Kenosha?
You can apply at local banks and lenders in Kenosha, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
Can I get a personal loan in Kenosha with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Kenosha residents can see if they qualify for $100 to $5,000 in about 3 minutes.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Kenosha with our free 3-minute form.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Kenosha residents can see their options in about 3 minutes.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Do I need to visit a store in Kenosha?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.