Hatley at a glance
- Population: about 674 residents, ranking 432nd of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 644 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population rose about 4.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 432nd-largest of 605 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 29% of places in Wisconsin rank below it by population (US Census Bureau).
- Coordinates: latitude 44.8865, longitude -89.3371 (US Census Bureau Gazetteer).
- Nearest larger cities: Birnamwood, WI (7 mi); Wittenberg, WI (9 mi); Weston, WI (10 mi); Kronenwetter, WI (13 mi); Rothschild, WI (14 mi), each a US Census place with its estimated population.
- Nearest smaller places: Eland, WI (6 mi); Elderon, WI (8 mi); Aniwa, WI (11 mi) (US Census Bureau estimates).
What a personal loan costs in Hatley
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Hatley
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 |
|---|---|---|
| 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 Hatley
Before you share your details with a lender in Hatley:
- 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.