Chilton at a glance
- Population: 3,939 (US Census Bureau, Vintage 2023 subcounty estimate), the 174th-largest of 605 places in Wisconsin.
- 2020 Census base: the 2020 Census recorded 4,086 residents here (US Census Bureau).
- 2020 to 2023 change: about 3.6% below the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: the 174th-largest of 605 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 71% of places in Wisconsin rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 44.0302, -88.1617.
- Nearest larger cities within 120 miles: Kiel, WI (10 mi); Harrison, WI (13 mi); Kaukauna, WI (18 mi); Menasha, WI (18 mi); Neenah, WI (18 mi) (US Census Bureau).
- Nearest smaller communities: New Holstein, WI (7 mi); Potter, WI (7 mi); Hilbert, WI (8 mi) (Census populations).
What a personal loan costs in Chilton
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Wisconsin lending rules that apply in Chilton
Read the table as the compliance picture for a lender serving Chilton: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Chilton
These steps are the ones that most affect the offer you receive in Chilton:
- 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.