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Personal loans in Haugen, WI

In Haugen, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. Haugen has a Census-estimated population of 258, ranking 558th among the 605 Census places in Wisconsin. The table below carries the Wisconsin rate caps and licensing rules that apply to a personal loan taken out here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Haugen at a glance

  • Population: 258 — 558th in Wisconsin, which has 605 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 263 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: about 1.9% lower than the 2020 Census base (US Census Bureau).
  • Rank among Wisconsin places: 558th of 605 by population (US Census Bureau, Vintage 2023).
  • Size percentile: about 8% of places in Wisconsin are smaller (US Census Bureau).
  • Coordinates: 45.6076, -91.7786 (Census Gazetteer, US Census Bureau).
  • Nearest larger cities: Rice Lake, WI (9 mi); Shell Lake, WI (10 mi); Birchwood, WI (12 mi); Cumberland, WI (13 mi); Cameron, WI (14 mi) — straight-line distances, US Census Bureau populations.
  • Nearest smaller places: Weyerhaeuser, WI (22 mi); Exeland, WI (26 mi); Couderay, WI (27 mi) (US Census Bureau estimates).

What a personal loan costs in Haugen

Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.

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.

A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.

Wisconsin lending rules that apply in Haugen

Read the table as the compliance picture for a lender serving Haugen: label, sourced figure, publisher and date.

RuleDetailSource
Small-loan / installment lender licensingLicensed 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 regulatorWisconsin 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
Payday lending statusLegal 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

How to compare offers in Haugen

These steps are the ones that most affect the offer you receive in Haugen:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Wisconsin using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Haugen?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Haugen are the same as elsewhere in Wisconsin.
How much can I borrow with a personal loan in Haugen?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Haugen require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Haugen hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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