Combined Locks at a glance
- Population: 3,654 (US Census Bureau, Vintage 2023 subcounty estimate), the 185th-largest of 605 places in Wisconsin.
- 2020 Census base: 3,633 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 0.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 185th largest of 605 (US Census Bureau).
- Size percentile: roughly 69% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: latitude 44.2620, longitude -88.3095 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Kimberly, WI (1 mi); Little Chute, WI (2 mi); Kaukauna, WI (2 mi); Appleton, WI (4 mi); Harrison, WI (5 mi) (US Census Bureau populations).
- Nearest smaller places: Sherwood, WI (6 mi); Hilbert, WI (11 mi); Stockbridge, WI (13 mi) (US Census Bureau estimates).
What a personal loan costs in Combined Locks
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Wisconsin lending rules that apply in Combined Locks
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 |
|---|---|---|
| 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 Combined Locks
Before you commit to a personal loan in Combined Locks, work through these steps:
- 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.