Edgerton at a glance
- Population: roughly 5,991 people; 139th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 5,949 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 0.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 139th largest of 605 (US Census Bureau).
- Size percentile: it exceeds roughly 77% of Wisconsin's Census places by population (US Census Bureau).
- Coordinates: mapped at 42.8389, -89.0696 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Stoughton, WI (10 mi); Janesville, WI (11 mi); Fort Atkinson, WI (13 mi); McFarland, WI (16 mi); Whitewater, WI (17 mi) (US Census Bureau populations).
- Smaller places nearby: Milton, WI (8 mi); Rockdale, WI (9 mi); Cambridge, WI (12 mi), per US Census Bureau estimates.
What a personal loan costs in Edgerton
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Edgerton
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 |
|---|---|---|
| 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 Edgerton
These steps are the ones that most affect the offer you receive in Edgerton:
- 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.