Augusta at a glance
- Population: 1,524, the 301st-largest community in Wisconsin out of 605 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,572 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 3.1% below the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 301st by size among 605 communities (US Census Bureau).
- Size percentile: about 50% of places in Wisconsin are smaller (US Census Bureau).
- Coordinates: 44.6784, -91.1203 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Osseo, WI (8 mi); Altoona, WI (18 mi); Eau Claire, WI (21 mi); Lake Hallie, WI (21 mi); Stanley, WI (21 mi) (US Census Bureau populations).
- Nearest smaller communities: Fairchild, WI (10 mi); Fall Creek, WI (10 mi); Strum, WI (16 mi), each a US Census place.
What a personal loan costs in Augusta
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Wisconsin lending rules that apply in Augusta
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Augusta
Run through this list before signing anything in Augusta:
- 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.