Delavan at a glance
- Population: about 8,523 residents, ranking 113th of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 8,529 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a decline of roughly 0.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 113th largest of 605 (US Census Bureau).
- Size percentile: larger than about 81% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: 42.6305 / -88.6298, per the US Census Bureau Gazetteer.
- Nearest larger cities: Elkhorn, WI (6 mi); Lake Geneva, WI (11 mi); Harvard, IL (14 mi); Whitewater, WI (15 mi); Burlington, WI (18 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Darien, WI (5 mi); Williams Bay, WI (6 mi); Fontana-on-Geneva Lake, WI (7 mi), each a US Census place.
What a personal loan costs in Delavan
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Delavan
The Wisconsin rate caps and licensing rules that reach Delavan are listed below, each with its source and retrieval 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 Delavan
A few practical steps will make the process in Delavan less costly:
- 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.