Fontana-on-Geneva Lake at a glance
- Population: about 1,890 residents, ranking 265th of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 1,870 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 1.1% higher than at the 2020 Census (US Census Bureau).
- Rank among Wisconsin places: 265th in population of 605 places (US Census Bureau).
- Size percentile: about 56% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: latitude 42.5443, longitude -88.5693 (US Census Bureau Gazetteer).
- Nearest larger cities: Walworth, WI (2 mi); Williams Bay, WI (3 mi); Delavan, WI (7 mi); Lake Geneva, WI (8 mi); Harvard, IL (8 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Darien, WI (8 mi); Hebron, IL (9 mi); Sharon, WI (9 mi) (US Census Bureau).
What a personal loan costs in Fontana-on-Geneva Lake
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our 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.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Wisconsin lending rules that apply in Fontana-on-Geneva Lake
The table lists the Wisconsin rules that apply to a loan made in Fontana-on-Geneva Lake, each with the regulator that published it.
| 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 Fontana-on-Geneva Lake
Before you share your details with a lender in Fontana-on-Geneva Lake:
- 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.