Eland at a glance
- Population: a Census-estimated 197, placing it 576th among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 197 (US Census Bureau).
- 2020 to 2023 change: about the same as at the 2020 Census (US Census Bureau).
- Rank among Wisconsin places: 576th by size among 605 communities (US Census Bureau).
- Size percentile: ahead of around 5% of Wisconsin places in population terms (US Census Bureau).
- Coordinates: latitude 44.8669, longitude -89.2090 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Wittenberg, WI (3 mi); Birnamwood, WI (4 mi); Hatley, WI (6 mi); Aniwa, WI (10 mi); Bowler, WI (11 mi) (US Census Bureau).
- Nearest smaller communities: Elderon, WI (6 mi); Big Falls, WI (20 mi); Nelsonville, WI (26 mi), each a US Census place.
What a personal loan costs in Eland
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Wisconsin lending rules that apply in Eland
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Eland.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Eland
Before you share your details with a lender in Eland:
- 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.