Grantsburg at a glance
- Population: 1,347 (US Census Bureau, Vintage 2023 subcounty estimate), the 321st-largest of 605 places in Wisconsin.
- 2020 Census base: 1,333 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 1.1% more residents than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 321st largest of 605 (US Census Bureau).
- Size percentile: about 47% of places in Wisconsin are smaller (US Census Bureau).
- Coordinates: 45.7838, -92.6773 (US Census Bureau Gazetteer).
- Nearest larger cities: Rock Creek, MN (11 mi); Pine City, MN (14 mi); Rush City, MN (15 mi); Hinckley, MN (19 mi); North Branch, MN (23 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Frederic, WI (14 mi); Siren, WI (14 mi); Webster, WI (17 mi) (US Census Bureau estimates).
What a personal loan costs in Grantsburg
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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 Grantsburg
Read the table as the compliance picture for a lender serving Grantsburg: label, sourced figure, publisher and date.
| 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 Grantsburg
These steps are the ones that most affect the offer you receive in Grantsburg:
- 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.