Boyceville at a glance
- Population: 1,099 residents, the 352nd-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 1,100 residents here (US Census Bureau).
- 2020 to 2023 change: about 0.1% below the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 352nd out of 605 Census places (US Census Bureau).
- Size percentile: about 42% of places in Wisconsin are smaller (US Census Bureau).
- Coordinates: latitude 45.0428, longitude -92.0385 (US Census Bureau Gazetteer).
- Nearest larger cities: Glenwood City, WI (6 mi); Menomonie, WI (12 mi); Woodville, WI (14 mi); Colfax, WI (16 mi); Spring Valley, WI (17 mi), each a US Census place with its estimated population.
- Nearest smaller places: Downing, WI (4 mi); Wheeler, WI (7 mi); Knapp, WI (7 mi) (US Census Bureau estimates).
What a personal loan costs in Boyceville
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Wisconsin lending rules that apply in Boyceville
The sourced rows below are the rules a licensed lender must follow when lending in Wisconsin, and therefore in Boyceville.
| 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 Boyceville
A few practical steps will make the process in Boyceville less costly:
- 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.