Highland at a glance
- Population: about 867, 387th by size in Wisconsin of 605 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 875 (US Census Bureau).
- 2020 to 2023 change: about 0.9% lower than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: the 387th-largest of 605 (US Census Bureau, 2023 estimate).
- Size percentile: about 36% of places in Wisconsin are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 43.0475, -90.3801.
- Nearest larger cities within 120 miles: Muscoda, WI (10 mi); Dodgeville, WI (14 mi); Fennimore, WI (14 mi); Mineral Point, WI (16 mi); Boscobel, WI (18 mi) (US Census Bureau).
- Nearest smaller communities: Montfort, WI (6 mi); Cobb, WI (6 mi); Avoca, WI (10 mi) (Census populations).
What a personal loan costs in Highland
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the 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 useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Wisconsin lending rules that apply in Highland
The table lists the Wisconsin rules that apply to a loan made in Highland, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Highland
Before you share your details with a lender in Highland:
- 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.