Footville at a glance
- Population: about 832 residents, ranking 393rd of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 774 residents here (US Census Bureau).
- 2020 to 2023 change: population rose about 7.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 393rd by size among 605 communities (US Census Bureau).
- Size percentile: about 35% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 42.6715, -89.2084 by the US Census Bureau Gazetteer.
- Nearest larger cities: Orfordville, WI (4 mi); Evansville, WI (9 mi); Brodhead, WI (9 mi); Janesville, WI (10 mi); Albany, WI (12 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Davis, IL (20 mi); Rock City, IL (22 mi); Rockdale, WI (23 mi), each a US Census place.
What a personal loan costs in Footville
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Footville
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Footville
The order below is a sensible way to approach a loan in Footville:
- 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.