Personal loans in Richfield, WI
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Richfield, WI.
The median household in Richfield earns $143,963 a year, 86% above the Wisconsin median of $77,485. About 5% of residents live below the federal poverty line, and 2.8% of households rent their home.
Wisconsin law that applies in Richfield
| 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 Richfield
Here's what to have on hand before you start your personal loan request in Richfield:
- 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 Richfield
What Richfield borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Richfield
- 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 Washington County
37 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Westbury Bank | 7 | N112w17171 Mequon Rd, Germantown 53022 |
| BMO Bank National Association | 5 | 321 N Main St, West Bend 53095 |
| FORTE BANK | 4 | 116 W Sumner St, Hartford 53027 |
| Bank Five Nine | 4 | N112w17100 Mequon Rd, Germantown 53022 |
| JPMorgan Chase Bank, National Association | 3 | W156n11251 Pilgrim Rd, Germantown 53022 |
| Associated Bank, National Association | 3 | N112 W16330 Mequon Road, Germantown 53022 |
| U.S. Bank National Association | 3 | N96 W18480 County Line Road, Germantown 53022 |
| State Bank of Newburg | 2 | 300 Congress Dr Hwy 33, Newburg 53060 |
| National Exchange Bank and Trust | 2 | 6278 Blueberry Rd, Allenton 53002 |
| Horicon Bank | 1 | 1535 W Paradise Dr, West Bend 53095 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Washington County
10 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Landmark | N96W17480 County Line Rd, Germantown 53022 |
| Summit | 1323 Bell Ave, Hartford 53027 |
| Kohler | 2180 S Main St, West Bend 53095 |
| Glacier Hills | 2150 S Main St, West Bend 53095 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Washington County · Payday Loans in Richfield · Title Loans in Richfield
Frequently asked questions
Can I get a personal loan with bad credit in Richfield?
Possibly. Lenders in our network consider applicants with fair and bad credit across Wisconsin, including Richfield. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Richfield, WI?
No rate cap for DFI-licensed lenders; license needed above 18%.
How fast can I get a personal loan in Richfield?
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.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Richfield borrowers who qualify.
Where can I find a loan for bad credit in Richfield?
You can apply at local banks and lenders in Richfield, 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.
How do I apply for a personal loan with bad credit in Richfield?
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.
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.
Can I get an emergency loan with bad credit in Richfield?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Richfield residents can see if they qualify in about 3 minutes.
Do I need to visit a store in Richfield?
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.