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Find the Best Personal Loans in Sauk County, WI

Personal loans can consolidate credit card debts and help people pay for things like home remodels or weddings. WiscNews has partnered with ConsumerAffairs to create this guide by comparing customer reviews, loan amounts and local availability of more than 18 businesses and choosing seven favorites from the top personal loan companies in Sauk County.

Companies pay ConsumerAffairs to be authorized, and WiscNews and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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Compare Sauk County Personal Loan Lenders

Finding a personal loan company in Sauk County

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Offerings from personal loan companies vary greatly. Each company sets its own interest rates, credit score requirements and repayment terms, which makes comparing different companies an important step in the personal loan process. As you compare lenders, consider their:

  • Loan amounts: Companies set their own minimum and maximum amounts for loans, too. Make sure the company offers loans large enough for your needs.
  • Repayment terms: Look for a company that offers flexibility when it comes to repayment terms, like setting your own payment date and not charging for early payment.
  • Credit score requirements: If you have a low credit score, make sure you find a company that offers loans to people in your situation.
  • Funding timeline: Some companies take longer to provide you with the money from your loan. If you need payment fast, find a company that offers funding as soon as possible.

Sauk County residents should also look for a company with a great reputation and positive reviews.

How much are personal loans in Sauk County?

Personal loans aren’t free— you have to pay back whatever you borrow and then some. Lenders make money in two ways: by charging fees and monthly interest. Origination fees are typically between 1% - 8% of the total loan amount, while APRs typically fall between 5.99% and 35.99%.

These amounts are set by each company and depend on your financial history and credit score. Compare companies to find the one that offers the best rates for your situation.

Sauk County personal loans FAQ

What's the minimum credit score for a personal loan?

Most lenders require you to have a credit score between 580 and 660 for personal loans.

Can you get a personal loan with a credit score of 550?

Yes, some companies offer personal loans for people with low credit. However, interest rates are much higher and these loans cost more in the long run.

What should I look for when getting a personal loan?

When looking for a personal loan, we recommend finding a company that offers fair rates and flexible repayment terms. Make sure to look for positive reviews of the company as well.

Is it a good idea to take out a personal loan?

It varies from situation to situation, but if your APR is fair and you can afford to repay it within the agreed-upon terms, a personal loan is typically a good idea.

Does a personal loan hurt your credit?

In most cases, a personal loan only hurts your credit score if you don’t pay it back on time. If you make regular payments, it may actually help you build a better credit score.

Should I take a personal loan to pay off credit cards?

It depends. If your personal loan has an interest rate that’s lower than your credit card, it can save you more money as you pay off your debts. Personal loans can also help consolidate multiple credit card debts into one payment.

Can you pay off a personal loan early?

Usually, but some companies charge a prepayment penalty if you pay your loan off early. Your contract should outline this for you.

Does paying off a personal loan early help your credit?

No. In general, the longer you pay on a loan, the better it is for your credit because it helps build a credit history.

Sauk County personal loan company information

Personal Loan Pro

Personal Loan Pro helps you find lenders offering loans that you may qualify for. The company analyzes your finances and desired loan terms to find favorable loans. You can discover loans with a range of term lengths and interest rates for amounts of up to $50,000. Personal Loan Pro is free to use and does not affect your credit.

Personal Loan Pro


NetCredit is an online lender offering personal loans up to $10,000 nationwide. With NetCredit’s My RightFit Tool, customers can easily compare their options and customize their payment plans to find the loans that make sense for their needs and budgets. NetCredit outlines all charges, fees and interest in its contracts so that there are no unanswered questions or concerns throughout the loan process.

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OppLoans customers can easily apply for a personal loan online and receive money straight into their account in as little as one business day. With more than 300,000 reviews about the company, customers can easily check its reputation. OppLoans does not charge more than 199% APR on personal loans, even for those with bad credit, and it does not charge prepayment or origination fees either.

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World Finance

World Finance is a nationwide lender offering personal loans. From its branch location in Baraboo, Sauk County residents can work one-on-one with a representative to find a loan that makes sense. World Finance’s representatives also help establish monthly payment plans based on a customer’s ability to repay a loan. Its address is 830 State Road 136, Ste. 4, Baraboo, WI 53913.

World Finance

Heritage Credit Union

Heritage Credit Union provides personalized financial services to more than 28,000 members in two states. This lender offers personal loans up to $25,000, with APRs as low as 9.99% for eligible members. Customers can choose to apply online or in person at one of its branches. Its local address is 827 Phillips Blvd., Sauk City, WI 53583.

Heritage Credit Union

Bank of Wisconsin Dells

Bank of Wisconsin Dells has served Wisconsin for more than 110 years, offering a variety of solutions for members. Customers can easily visit one of its three branches to speak with a loan officer and compare options. This lender’s address is 716 Superior St., Wisconsin Dells, WI 53965.

Bank of Wisconsin Dells

WCCU Credit Union

WCCU's personal loans come with affordable rates and a variety of payment options for each member’s unique situation. Members can quickly and easily apply for personal loans either online or in person. Its address is 501 N. Main St., Westby, WI 54667.

WCCU Credit Union

Cash Store

Cash Store is a loan agency in Baraboo offering residents an alternative to payday loans. Cash Store offers installment loans, cash advances and title loans for those who qualify. With an approval rate of over 90%, and installment loans up to $3,000, many customers easily find the solution they need. To apply, customers need their most recent checking account statement, pay stub and driver’s license. Cash Store’s address is 906 U.S. 12, Ste. 100, Baraboo, WI 53913.

Cash Store