Personal loans in Marshfield, WI
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Marshfield, WI.
The median household in Marshfield earns $58,407 a year, 25% below the Wisconsin median of $77,485. About 12% of residents live below the federal poverty line, and 40.0% of households rent their home.
Wisconsin law that applies in Marshfield
| 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 Marshfield
Most Marshfield 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 Marshfield
What Marshfield borrowers use it for
keep getting to work while the shop fixes it
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Marshfield
- 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 Marshfield
8 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Partners Bank of Wisconsin | 1 | 907 N Central Ave, Marshfield 54449 |
| Associated Bank, National Association | 1 | 400 S Chestnut Ave, Marshfield 54449 |
| BMO Bank National Association | 1 | 101 W 4th St, Marshfield 54449 |
| Forward Bank | 1 | 1001 N Central Ave, Marshfield 54449 |
| First State Bank | 1 | 1700 N Central Ave, Marshfield 54449 |
| Citizens State Bank of Loyal | 1 | 103 W Mcmillan St, Marshfield 54449 |
| Prevail Bank | 1 | 810 N Central Ave, Marshfield 54449 |
| State Bank Financial | 1 | 124 N Central Ave, Marshfield 54449 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Marshfield
8 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Simplicity | 222 E Upham St, Marshfield 54449 |
| Valley Communities | 2011 S Central Ave, Marshfield 54449 |
| First Choice | 1614 E 4Th St, Marshfield 54449 |
| Marshfield Medical Center | 302 W Upham St, Marshfield 54449 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Marathon County · Wood County · Payday Loans in Marshfield · Title Loans in Marshfield
Frequently asked questions
Can I get a personal loan with bad credit in Marshfield?
Possibly. Lenders in our network consider applicants with fair and bad credit across Wisconsin, including Marshfield. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Marshfield, WI?
No rate cap for DFI-licensed lenders; license needed above 18%.
How fast can I get a personal loan in Marshfield?
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.
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. Marshfield residents can see their options 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 Marshfield with our free 3-minute form.
Can I get a personal loan in Marshfield 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. Marshfield residents can see if they qualify for $100 to $5,000 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.
How do I apply for a personal loan with bad credit in Marshfield?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Do I need to visit a store in Marshfield?
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.