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Personal loans in Couderay, WI

For residents of Couderay, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. Couderay's Census population of roughly 80 makes it the 601st-largest of 605 places in Wisconsin. Wisconsin law sets the rate ceilings and the licensing a lender must hold, and the table below lists each sourced figure.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Couderay at a glance

  • Population: 80 — 601st in Wisconsin, which has 605 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 80 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: held steady across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Wisconsin places: 601st-largest of 605 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: about 1% of Wisconsin's Census places are smaller (US Census Bureau).
  • Coordinates: 45.7974 latitude, -91.2967 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities (120-mile radius): Radisson, WI (4 mi); Exeland, WI (9 mi); Winter, WI (14 mi); Birchwood, WI (16 mi); Hayward, WI (17 mi) (US Census Bureau).
  • Smaller places nearby: Ingram, WI (31 mi); Kerrick, MN (72 mi); Henriette, MN (88 mi), per US Census Bureau estimates.

What a personal loan costs in Couderay

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 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.

Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.

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 Couderay

The table lists the Wisconsin rules that apply to a loan made in Couderay, each with the regulator that published it.

RuleDetailSource
State lending regulatorWisconsin 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 statusLegal 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 licensingLicensed 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 Couderay

These steps are the ones that most affect the offer you receive in Couderay:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Wisconsin using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Couderay?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Couderay are the same as elsewhere in Wisconsin.
How much can I borrow with a personal loan in Couderay?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Couderay require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Couderay hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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