Embarrass at a glance
- Population: roughly 305 people; 542nd of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 358 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a decline of roughly 14.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 542nd out of 605 Census places (US Census Bureau).
- Size percentile: larger than about 10% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: 44.6705, -88.7032 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Clintonville, WI (4 mi); Shawano, WI (9 mi); Bear Creek, WI (10 mi); Marion, WI (10 mi); Gresham, WI (13 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Nichols, WI (14 mi); Big Falls, WI (16 mi); Ogdensburg, WI (22 mi) (US Census Bureau).
What a personal loan costs in Embarrass
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Wisconsin lending rules that apply in Embarrass
The Wisconsin rate caps and licensing rules that reach Embarrass are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Embarrass
The order below is a sensible way to approach a loan in Embarrass:
- 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.