Centuria at a glance
- Population: 895, the 383rd-largest community in Wisconsin out of 605 (US Census Bureau, Vintage 2023).
- 2020 Census base: 892 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: an increase of about 0.3% since the 2020 count (US Census Bureau).
- Rank among Wisconsin places: 383rd out of 605 Census places (US Census Bureau).
- Size percentile: larger than about 37% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: 45.4487 / -92.5579, per the US Census Bureau Gazetteer.
- Nearest larger cities: St. Croix Falls, WI (4 mi); Balsam Lake, WI (5 mi); Milltown, WI (6 mi); Taylors Falls, MN (6 mi); Dresser, WI (7 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Center City, MN (13 mi); Star Prairie, WI (17 mi); Deer Park, WI (20 mi) (US Census Bureau).
What a personal loan costs in Centuria
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Centuria
The table lists the Wisconsin rules that apply to a loan made in Centuria, each with the regulator that published it.
| 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 Centuria
Run through this list before signing anything in Centuria:
- 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.