Ferryville at a glance
- Population: 192 people, the 577th-largest place among Wisconsin's 605 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 194 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population fell about 1.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 577th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 5% of Wisconsin's Census places by population (US Census Bureau).
- Coordinates: 43.3533, -91.0957 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Lansing, IA (6 mi); De Soto, WI (7 mi); Harpers Ferry, IA (11 mi); Gays Mills, WI (13 mi); Eastman, WI (13 mi) (US Census Bureau).
- Smaller places close by: Lynxville, WI (7 mi); Mount Sterling, WI (9 mi); Bell Center, WI (14 mi) (US Census Bureau).
What a personal loan costs in Ferryville
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Wisconsin lending rules that apply in Ferryville
The sourced rows below are the rules a licensed lender must follow when lending in Wisconsin, and therefore in Ferryville.
| 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 Ferryville
The order below is a sensible way to approach a loan in Ferryville:
- 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.