Hartland at a glance
- Population: 10,065, the 97th-largest community in Wisconsin out of 605 (US Census Bureau, Vintage 2023).
- 2020 Census base: 9,503 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population rose about 5.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: the 97th-largest of 605 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 84% of places in Wisconsin rank below it by population (US Census Bureau).
- Coordinates: 43.1024 / -88.3356, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Pewaukee, WI (5 mi); Sussex, WI (6 mi); Waukesha, WI (8 mi); Oconomowoc, WI (8 mi); Richfield, WI (11 mi) (US Census Bureau).
- Nearest smaller communities: Chenequa, WI (3 mi); Merton, WI (3 mi); Delafield, WI (4 mi), each a US Census place.
What a personal loan costs in Hartland
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.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Wisconsin lending rules that apply in Hartland
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Hartland.
| 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 Hartland
The order below is a sensible way to approach a loan in Hartland:
- 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.