Blair at a glance
- Population: 1,270, the 331st-largest community in Wisconsin out of 605 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,323 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a decline of roughly 4.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: the 331st-largest of 605 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 45% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: 44.3271, -91.2994 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Whitehall, WI (3 mi); Independence, WI (6 mi); Arcadia, WI (11 mi); Galesville, WI (17 mi); Osseo, WI (18 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Pigeon Falls, WI (8 mi); Taylor, WI (9 mi); Ettrick, WI (11 mi), each a US Census place.
What a personal loan costs in Blair
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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 Blair
The Wisconsin rate caps and licensing rules that reach Blair are listed below, each with its source and retrieval date.
| 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 Blair
Before you share your details with a lender in Blair:
- 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.