Personal loans in Wausau, WI
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Wausau, WI.
The median household in Wausau earns $64,389 a year, 17% below the Wisconsin median of $77,485. About 15% of residents live below the federal poverty line, and 42.4% of households rent their home.
Wisconsin law that applies in Wausau
| 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 Wausau
Lenders that serve Wausau typically ask for the following:
- 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 Wausau
What Wausau borrowers use it for
handle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Wausau
- 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 Wausau
19 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| BMO Bank National Association | 3 | 500 N 3rd St, Wausau 54403 |
| Peoples State Bank | 3 | 1905 Stewart Ave, Wausau 54401 |
| IncredibleBank | 3 | 327 N 17th Ave, Wausau 54401 |
| U.S. Bank National Association | 2 | 2620 Stewart Ave, Wausau 54401 |
| WOODTRUST BANK | 2 | 500 N 1st St, Wausau 54403 |
| Associated Bank, National Association | 1 | 2010 Stewart Ave, Wausau 54401 |
| Marathon Bank | 1 | 500 Scott St, Wausau 54403 |
| AbbyBank | 1 | 305 S 18th Ave, Wausau 54401 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Wausau
13 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Connexus | 610 N 2Nd Ave, Wausau 54401 |
| Covantage | 303 S 1St Ave, Wausau 54401 |
| Park City | 2100 Stewart Ave Ste 100, Wausau 54401 |
| Cloverbelt | 110 Mcindoe St, Wausau 54403 |
| Marshfield Medical Center | 400 E Thomas St, Wausau 54403 |
| Marathon County Employees | 400 E Thomas St, Wausau 54403 |
| M.E. Employees | 111 E Randolph St, Wausau 54401 |
| Public Service | 1700 Sherman St, Wausau 54401 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Marathon County · Payday Loans in Wausau · Title Loans in Wausau
Frequently asked questions
Can I get a personal loan with bad credit in Wausau?
Possibly. Lenders in our network consider applicants with fair and bad credit across Wisconsin, including Wausau. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Wausau, WI?
No rate cap for DFI-licensed lenders; license needed above 18%.
How fast can I get a personal loan in Wausau?
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 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 Wausau with our free 3-minute form.
Where can I find a loan for bad credit in Wausau?
You can apply at local banks and lenders in Wausau, 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 can I get an emergency loan in Wausau?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
How long does it take to get a personal loan in Wausau?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Wausau.
How do installment loans work in Wausau?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Wausau residents can see installment loan offers with our free 3-minute form.
Do I need to visit a store in Wausau?
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.