Personal loans in Stevens Point, WI
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Stevens Point, WI.
The median household in Stevens Point earns $58,031 a year, 25% below the Wisconsin median of $77,485. About 17% of residents live below the federal poverty line, and 48.9% of households rent their home.
Wisconsin law that applies in Stevens Point
| 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 Stevens Point
Most Stevens Point 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 Stevens Point
What Stevens Point borrowers use it for
keep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Stevens Point
- 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 Stevens Point
14 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Associated Bank, National Association | 3 | 5597 Us Highway 10 E, Stevens Point 54482 |
| U.S. Bank National Association | 2 | 5673 Us Highway 10 E, Stevens Point 54482 |
| BMO Bank National Association | 1 | 1245 Main St, Stevens Point 54481 |
| The Pineries Bank | 1 | 3601 Main St, Stevens Point 54481 |
| Old National Bank | 1 | 640 Division St, Stevens Point 54481 |
| Community First Bank | 1 | 5525 Us Highway 10 E, Stevens Point 54482 |
| Prevail Bank | 1 | 5709 Windy Dr, Stevens Point 54482 |
| The Portage County Bank | 1 | 5417 Vern Holmes Dr, Stevens Point 54482 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Stevens Point
10 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Connexus | 3316 Business Park Dr, Stevens Point 54482 |
| University Of Wisconsin | 809 Division St, Stevens Point 54481 |
| Covantage | 1200 Badger Ave, Stevens Point 54482 |
| Simplicity | 1201 N. Point Dr., Stevens Point 54481 |
| Valley Communities | 2940 Church St, Stevens Point 54481 |
| Sentry | 340 Division St N, Stevens Point 54481 |
| Central Wisconsin | 2201 Division St, Stevens Point 54481 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Portage County · Payday Loans in Stevens Point · Title Loans in Stevens Point
Frequently asked questions
Can I get a personal loan with bad credit in Stevens Point?
Possibly. Lenders in our network consider applicants with fair and bad credit across Wisconsin, including Stevens Point. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Stevens Point, WI?
No rate cap for DFI-licensed lenders; license needed above 18%.
How fast can I get a personal loan in Stevens Point?
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.
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.
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. Stevens Point residents can see their options in about 3 minutes.
Can I get an emergency loan with bad credit in Stevens Point?
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. Stevens Point residents can see if they qualify in about 3 minutes.
Can I get a personal loan in Stevens Point 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. Stevens Point 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 Stevens Point with our free 3-minute form.
Do I need to visit a store in Stevens Point?
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.