Waupaca, Wisconsin Best Personal Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Waupaca, Wisconsin include: Community First Credit UnionCommunity First Credit Union1006 Royalton St, Waupaca, WI, 54981A+5.0 ★Texas Ratio: 0.85% offering Personal Signature Loan at 10.49% APR, State Bank of ChiltonState Bank of ChiltonA+5.0 ★Texas Ratio: 3.85% offering Personal Unsecured Loan at 6.75% APR, Plymouth County Teachers Federal Credit UnionPlymouth County Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 3.44% offering Debt Consolidation Loan at 6.99% APR, Guardian Credit UnionGuardian Credit UnionA+5.0 ★Texas Ratio: 2.06% offering Signature Loan at 7.19% APR, and Ko`olau Federal Credit UnionKo`olau Federal Credit UnionA+5.0 ★Texas Ratio: 0.39% offering Signature Loan at 7.25% APR. Personal loan rates as of September 9, 2026 according to verified data from MonitorBankRates.
Waupaca has 1 local institution in our database, with personal loan rates as low as 10.49% APR from Community First Credit Union at 1006 Royalton St, Waupaca, WI, 54981. Use the tabs below to compare all available personal loan types. Rates are continually updated, so we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics, including A-F Safety Grades, verified Star Ratings, and Texas Ratios, so you can confidently borrow from a stable, highly-rated institution in Waupaca, Wisconsin.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Waupaca, Wisconsin. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: September 9, 2026
Waupaca Personal Loan Rates
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APR range: 6.75%-10.75%
As Low As
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Based on $10,000 loan amount
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up to $15,000; As Low as
Based on $10,000 loan amount
$15,000 Maximum
As Low As
No additional details available.
No additional details available.
Based on $10,000 loan amount
Based on $10,000 loan amount
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
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No additional details available.
As Low As
No additional details available.
with Direct Deposit & Autopay**
No additional details available.
No additional details available.
with Direct Deposit & Autopay**
As Low As
As Low As
up to $15,000; As Low as
No additional details available.
No additional details available.
No additional details available.
As Low As; Over $2,000
with Direct Deposit & Autopay** 9.20%
As Low As
No additional details available.
No additional details available.
Max Loan Amount: $5,000
As Low As
As Low As
No additional details available.
Under $10,000; As Low As
As Low As
As Low As; Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
with Direct Deposit & Autopay** 9.45%
Term Guidelines: For 60 Months at least $10,000.00+; For 48 Months at least $5,000.00+; For 36 Months can be less than $4,999.99
As Low As
As Low As
Rates as low as 9.99% APR*
As low as**
As Low As
No additional details available.
As Low As
As Low As; Loan Amount: $1,000.00
No additional details available.
As Low As; $1,000 to $2,000
No additional details available.
No additional details available.
No additional details available.
As Low As; Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
with Direct Deposit & Autopay** 9.70%
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
with Direct Deposit & Autopay** 9.95%
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
Credit tier A+
Borrow up to $20,000 with a personal loan from The District Credit Union. Loan approval, APR, and loan amount are based on creditworthiness and other qualifying factors. Membership required. Additional terms and conditions may apply.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
$10,000; As Low As
Our Lowest Signature Loan Rate
As Low As
Credit Score 735+; Members with credit scores of 635 or less may be subject to a higher rate. This applies to all types of loans listed.
No additional details available.
As Low As; Qualifying balance up to $10,000.00
$10000- $25000
As Low As
All rates subject to change and based on credit history. Maximum loan amount based on income. Minimum loan amounts based on term.
$5,000
As Low As
As Low As; Less than $1,000
No additional details available.
$1000.00; No credit union fees apply. Rate above includes a .25% deduction for automatic payments.
Credit tier A
No additional details available.
No additional details available.
As Low As; Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As low as
As Low As*
The advertised APR includes a one-time $25 processing fee.
No additional details available.
No additional details available.
Max Loan Amount: $5,000
Credit Score 636-734; Members with credit scores of 635 or less may be subject to a higher rate. This applies to all types of loans listed.
Rates starting at 11.99% APR. Fixed Monthly Payments. Fixed Interest Rate. No Prepayment Penalties.
No additional details available.
No additional details available.
As low as
No additional details available.
As Low As; Rate based on $5,000 loan amount for 60 months with a monthly payment of $109.34. APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.
As Low As
No additional details available.
As low as
As Low As
No additional details available.
As Low As*
Unsecured $15,000 Maximum
Credit tier B
No additional details available.
No additional details available.
$10,000
As Low As; Balance over $10,000.01
No additional details available.
No additional details available.
As Low As
Up to $5,000; As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As*
$15,000 Maximum
Waupaca Personal Loan Rates
No additional details available.
As Low As
No additional details available.
No additional details available.
with Direct Deposit & Autopay**
with Direct Deposit & Autopay**
As Low As
with Direct Deposit & Autopay** 9.20%
No additional details available.
Max Loan Amount: $5,000
As Low As
Under $10,000; As Low As
with Direct Deposit & Autopay** 9.45%
As Low As
Rates as low as 9.99% APR*
As low as**
No additional details available.
No additional details available.
with Direct Deposit & Autopay** 9.70%
No additional details available.
with Direct Deposit & Autopay** 9.95%
As Low As
No additional details available.
No additional details available.
Borrow up to $20,000 with a personal loan from The District Credit Union. Loan approval, APR, and loan amount are based on creditworthiness and other qualifying factors. Membership required. Additional terms and conditions may apply.
No additional details available.
$10,000; As Low As
As Low As
As Low As; Qualifying balance up to $10,000.00
$10000- $25000
As Low As
All rates subject to change and based on credit history. Maximum loan amount based on income. Minimum loan amounts based on term.
$5,000
As Low As
As low as
As Low As*
No additional details available.
Max Loan Amount: $5,000
Rates starting at 11.99% APR. Fixed Monthly Payments. Fixed Interest Rate. No Prepayment Penalties.
As low as
No additional details available.
As Low As
As low as
As Low As
As Low As*
No additional details available.
As Low As; Balance over $10,000.01
No additional details available.
As Low As
As Low As*
Waupaca Debt Consolidation Loan Rates
As Low As
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No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Waupaca Signature Loan Rates
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$15,000 Maximum
No additional details available.
No additional details available.
No additional details available.
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As Low As
As Low As
As Low As
As low as
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; Over $2,000
As Low As
No additional details available.
No additional details available.
As Low As
As Low As; Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
Term Guidelines: For 60 Months at least $10,000.00+; For 48 Months at least $5,000.00+; For 36 Months can be less than $4,999.99
As Low As
As Low As
No additional details available.
As Low As; $1,000 to $2,000
No additional details available.
As Low As; Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
As Low As
As Low As
No additional details available.
As Low As; Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
No additional details available.
No additional details available.
Our Lowest Signature Loan Rate
Credit Score 735+; Members with credit scores of 635 or less may be subject to a higher rate. This applies to all types of loans listed.
As Low As; Less than $1,000
No additional details available.
As Low As; Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
No additional details available.
Credit Score 636-734; Members with credit scores of 635 or less may be subject to a higher rate. This applies to all types of loans listed.
No additional details available.
Unsecured $15,000 Maximum
No additional details available.
$10,000
As Low As
Up to $5,000; As Low As
No additional details available.
No additional details available.
$15,000 Maximum
Waupaca, WI Personal Loan Rate Trends
Compare local Waupaca, WI personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Wisconsin personal loan rates rose 0.228 points over the past 7 days to 11.657% APR.
Wisconsin signature loan rates fell 0.100 points over the past 7 days to 10.280% APR.
Waupaca, WI Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Wisconsin figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current WI average personal loan APR of 11.66%, across the terms lenders serving Waupaca, Wisconsin most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $234.57/mo | $165.25/mo | $130.83/mo | $110.36/mo |
| $10,000 | $469.13/mo | $330.51/mo | $261.66/mo | $220.71/mo |
| $15,000 | $703.70/mo | $495.76/mo | $392.49/mo | $331.07/mo |
| $25,000 | $1,172.84/mo | $826.27/mo | $654.14/mo | $551.79/mo |
| $35,000 | $1,641.97/mo | $1,156.77/mo | $915.80/mo | $772.50/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Waupaca, Wisconsin
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the WI personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (WI average) | 11.66% | $392.49 | $3,839 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,311 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $3,845 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,437 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in Waupaca, Wisconsin
Prequalify With a Soft Credit Check
Most lenders serving Waupaca, Wisconsin will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Wisconsin data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured Waupaca, Wisconsin auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Waupaca, Wisconsin high-yield savings account costs nothing and earns interest instead of paying it
Waupaca, Wisconsin Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $392 monthly loan payment is roughly 10.7% of the median individual income in Waupaca, Wisconsin. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Waupaca, Wisconsin.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current WI average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Waupaca, Wisconsin personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Waupaca, Wisconsin directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Waupaca, Wisconsin. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in WI.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Wisconsin?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Wisconsin?
Are credit unions or banks better for personal loans in Waupaca, Wisconsin?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Waupaca, Wisconsin?
- Community First Credit Union: 10.49% (Personal Signature Loan)
- State Bank of Chilton: 6.75% (Personal Unsecured Loan)
- Plymouth County Teachers Federal Credit Union: 6.99% (Debt Consolidation Loan)
- Guardian Credit Union: 7.19% (Signature Loan)
- Ko`olau Federal Credit Union: 7.25% (Signature Loan)
Waupaca, Wisconsin Rates & Resources
Personal Loan Calculators
