Cleveland at a glance
- Population: 1,574 — 292nd in Wisconsin, which has 605 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,582 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 0.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 292nd largest of 605 (US Census Bureau).
- Size percentile: roughly 52% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: 43.9181 / -87.7498, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Howards Grove, WI (7 mi); Kohler, WI (12 mi); Sheboygan, WI (12 mi); Manitowoc, WI (13 mi); Sheboygan Falls, WI (14 mi) (US Census Bureau).
- Smaller towns nearby: St. Nazianz, WI (11 mi); Valders, WI (12 mi); Elkhart Lake, WI (14 mi) (US Census Bureau).
What a personal loan costs in Cleveland
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Cleveland
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Cleveland
Before you share your details with a lender in Cleveland:
- 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.