Belgium at a glance
- Population: 2,495 (US Census Bureau, Vintage 2023 subcounty estimate), the 235th-largest of 605 places in Wisconsin.
- 2020 Census base: 2,423 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population rose about 3.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: the 235th-largest of 605 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 61% of places in Wisconsin rank below it by population (US Census Bureau).
- Coordinates: 43.5018 latitude, -87.8476 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Port Washington, WI (8 mi); Oostburg, WI (9 mi); Saukville, WI (9 mi); Grafton, WI (13 mi); Cedarburg, WI (16 mi); US Census Bureau population estimates.
- Nearest smaller towns: Cedar Grove, WI (5 mi); Fredonia, WI (5 mi); Random Lake, WI (7 mi) — US Census Bureau populations.
What a personal loan costs in Belgium
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
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 Belgium
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Belgium.
| 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 Belgium
The steps below are worth completing first when you borrow in Belgium:
- 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.