Cedarburg at a glance
- Population: about 12,527, 78th by size in Wisconsin of 605 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 12,132 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 3.3% more residents than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 78th of 605 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 87% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: it sits at 43.2999, -87.9884 in the US Census Bureau Gazetteer.
- Nearest larger cities: Grafton, WI (3 mi); Mequon, WI (6 mi); Port Washington, WI (8 mi); Germantown, WI (8 mi); Brown Deer, WI (9 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Thiensville, WI (4 mi); Saukville, WI (7 mi); Jackson, WI (9 mi) (US Census Bureau estimates).
What a personal loan costs in Cedarburg
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Cedarburg
Read the table as the compliance picture for a lender serving Cedarburg: label, sourced figure, publisher and 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 Cedarburg
The order below is a sensible way to approach a loan in Cedarburg:
- 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.