Durand at a glance
- Population: a Census-estimated 1,843, placing it 269th among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,850 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 0.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 269th of the state's 605 Census places (US Census Bureau).
- Size percentile: roughly 56% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 44.6224, -91.9603 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Mondovi, WI (15 mi); Wabasha, MN (18 mi); Menomonie, WI (19 mi); Lake City, MN (20 mi); Eau Claire, WI (27 mi) (US Census Bureau populations).
- Smaller towns nearby: Plum City, WI (11 mi); Nelson, WI (14 mi); Elmwood, WI (14 mi) (US Census Bureau).
What a personal loan costs in Durand
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.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Wisconsin lending rules that apply in Durand
The Wisconsin rate caps and licensing rules that reach Durand are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Durand
Here is a short checklist for comparing personal loans in Durand:
- 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.