Arcadia at a glance
- Population: roughly 3,796 people; 179th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 3,737 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a gain of roughly 1.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 179th of 605 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 70% of Wisconsin places in population terms (US Census Bureau).
- Coordinates: 44.2486, -91.4915 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (120-mile radius): Winona, MN (16 mi); Goodview, MN (17 mi); Holmen, WI (22 mi); Onalaska, WI (29 mi); La Crescent, MN (30 mi) (US Census Bureau).
- Smaller places nearby: Independence, WI (5 mi); Whitehall, WI (11 mi); Blair, WI (11 mi), per US Census Bureau estimates.
What a personal loan costs in Arcadia
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Wisconsin lending rules that apply in Arcadia
The table lists the Wisconsin rules that apply to a loan made in Arcadia, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 12% per year maximum ($12 per $100) on the declining principal balance, except as authorized by other statutes (Wis. Stat. § 138.05(1)(a)) Source says: At the rate of $12 upon $100 for one year computed upon the declining principal balance of the loan or forbearance | Wisconsin State Legislature as of 2026-09-16 |
| Payday lending status | Legal and licensed by the DFI Division of Banking; statewide database tracking (Wis. Stat. § 138.14) Source says: "Licensee" means a person holding a license issued by the division under sub. (5) | Wisconsin State Legislature as of 2026-09-16 |
| Small-loan / installment lender licensing | Licensed lender license required from the Division of Banking (Wis. Stat. § 138.09) Source says: Before any person may do business under this section, that person shall first obtain a license from the division. | Wisconsin State Legislature as of 2026-09-16 |
| State lending regulator | Wisconsin Department of Financial Institutions (DFI), Division of Banking Source says: "Department" means the department of financial institutions | Wisconsin State Legislature as of 2026-09-16 |
How to compare offers in Arcadia
Before you commit to a personal loan in Arcadia, work through these steps:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Wisconsin using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.