Evansville at a glance
- Population: roughly 5,823 people; 140th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 5,708 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population rose about 2.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 140th of 605 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 77% of Wisconsin's Census places by population (US Census Bureau).
- Coordinates: 42.7782, -89.2948 (US Census Bureau Gazetteer).
- Nearest larger cities: Stoughton, WI (11 mi); Oregon, WI (11 mi); Edgerton, WI (12 mi); Janesville, WI (16 mi); Fitchburg, WI (16 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: Brooklyn, WI (6 mi); Footville, WI (9 mi); Albany, WI (9 mi), per US Census Bureau estimates.
What a personal loan costs in Evansville
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Wisconsin lending rules that apply in Evansville
The table lists the Wisconsin rules that apply to a loan made in Evansville, each with the regulator that published it.
| 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 Evansville
Before you commit to a personal loan in Evansville, work through these steps:
- 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.