Black River Falls at a glance
- Population: 3,587 residents, the 189th-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,522 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 1.8% growth over the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: the 189th-largest of 605 (US Census Bureau, 2023 estimate).
- Size percentile: about 69% of places in Wisconsin are smaller (US Census Bureau).
- Coordinates: latitude 44.2985, longitude -90.8428 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Sparta, WI (25 mi); Tomah, WI (27 mi); West Salem, WI (30 mi); Holmen, WI (31 mi); Arcadia, WI (32 mi) (US Census Bureau populations).
- Nearest smaller places: Alma Center, WI (10 mi); Hixton, WI (10 mi); Merrillan, WI (11 mi) (US Census Bureau estimates).
What a personal loan costs in Black River Falls
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Wisconsin lending rules that apply in Black River Falls
The table lists the Wisconsin rules that apply to a loan made in Black River Falls, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Black River Falls
These steps are the ones that most affect the offer you receive in Black River Falls:
- 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.