Compare loan rates in Houlton.
Whether you live in St. Croix County or anywhere else in Wisconsin, loan.me matches you with lenders licensed in your state. We verify your info, then lenders compete for your business.
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WI · Local snapshot
Houlton, WI
- Population
- 1,719
- ZIP codes
- 1
- Mean income
- $128,894
- County
- St. Croix County
Houlton rate snapshot
What personal loan rates look like in Houlton right now.
Local median APR (WI)
19.36%
Averaged across credit tiers, adjusted for Wisconsin.
National median APR
19.37%
Lenders licensed in WI
239+
Competing for Houlton borrowers.
Rates shown are illustrative medians derived from our lender network for Wisconsin. Your actual offer depends on credit profile, income, loan amount, and term. Pre-qualify with a soft credit check to see your real rate from lenders licensed in St. Croix County.
About lending in Houlton
How borrowing works in Houlton, WI.
Houlton sits in St. Croix County, where the typical household earns about $128,894 a year. That income context matters: lenders use debt-to-income ratios to size offers, so Houlton borrowers often qualify for larger personal loans and more competitive mortgage pricing.
Across 1 ZIP codes in and around Houlton, loan.me works with 239+ lenders licensed in Wisconsin. That includes national banks, credit unions, online direct lenders, and specialty providers for auto, business, and home equity needs. We don't lend directly we shop your profile to the partners most likely to approve you at the best rate available in WI.
Because Wisconsin regulates APR caps, disclosure timing, and prepayment penalties differently than neighboring states, every offer you see has already been filtered for compliance in Houlton. No bait-and-switch teaser rates, no offers from lenders who can't actually fund a loan in your ZIP.
What you can borrow for
Loan options for Houlton borrowers.
Personal & debt loans
Compare personal loan offers from $1K–$100K. Consolidate cards, fund a project, cover the unexpected.
Mortgage & refinance
Purchase, refinance, and home equity options from local and national lenders licensed in your state.
Auto & specialty loans
Pre-approved auto financing, business loans, and equipment financing all in one place.
Compare Houlton rates by product
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Personal Loans
in Houlton, WI
Auto Loans
in Houlton, WI
Student Loans
in Houlton, WI
Debt Consolidation
in Houlton, WI
Business Loans
in Houlton, WI
SBA Loans
in Houlton, WI
Business Credit Cards
in Houlton, WI
Equipment Financing
in Houlton, WI
Home Purchase
in Houlton, WI
Refinance
in Houlton, WI
Home Equity
in Houlton, WI
FHA & VA Loans
in Houlton, WI
Rewards Credit Cards
in Houlton, WI
Balance Transfer Cards
in Houlton, WI
Secured Credit Cards
in Houlton, WI
0% Intro APR Cards
in Houlton, WI
Why loan.me in Houlton
One application, lenders licensed in Wisconsin.
Every offer you see comes from a lender licensed to do business in Wisconsin. Real rates, real terms, filtered for your credit profile before you ever see them.
- Soft credit check won't impact your score
- 300+ lending partners licensed across all 50 states
- Real pre-qualified offers, not teaser rates
- Free to compare lenders pay us, never you
Nearby in Wisconsin
Other cities we serve.
Questions Houlton borrowers ask.
What loan amounts can I qualify for in Houlton, WI?+
loan.me matches Houlton borrowers with personal loans from $1,000 to $100,000, auto loans up to vehicle value, and mortgages from $50,000 to jumbo amounts. Final approval depends on income, credit profile, and the lender's underwriting rules in Wisconsin.
Does checking my rate affect my credit score in Houlton?+
No. Pre-qualification on loan.me uses a soft credit pull, which does not impact your credit score. A hard inquiry only happens after you accept an offer and the lender begins formal underwriting.
How long does it take to get funded in Houlton, WI?+
Most personal and auto loan applications from Houlton receive offers within minutes and fund within 1–3 business days after approval. Mortgage and refinance timelines depend on appraisal and title work in St. Croix County, typically 21–45 days.
Are the lenders shown licensed to operate in Wisconsin?+
Yes. Every offer surfaced to a Houlton borrower comes from a lender licensed to originate the requested product in Wisconsin. We filter the marketplace by your state before any offer is displayed.
Is there a fee to compare loan offers in Houlton?+
No. loan.me is free for borrowers. Our lending partners pay us when a match results in a funded loan, so you can compare offers in Houlton without ever paying us a fee.
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