Friendship at a glance
- Population: 680 (US Census Bureau, Vintage 2023 subcounty estimate), the 431st-largest of 605 places in Wisconsin.
- 2020 Census base: 650 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up roughly 4.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Wisconsin places: the 431st-largest of 605 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 29% of Wisconsin places in population terms (US Census Bureau).
- Coordinates: 43.9717 / -89.8200, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Adams, WI (1 mi); Necedah, WI (13 mi); Westfield, WI (17 mi); Mauston, WI (18 mi); New Lisbon, WI (18 mi) (US Census Bureau).
- Smaller places close by: Coloma, WI (15 mi); Oxford, WI (18 mi); Lyndon Station, WI (19 mi) (US Census Bureau).
What a personal loan costs in Friendship
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Wisconsin lending rules that apply in Friendship
Each row below is a Wisconsin rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Friendship
Run through this list before signing anything in Friendship:
- 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.