Horicon at a glance
- Population: 3,773, the 181st-largest community in Wisconsin out of 605 (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,777 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down about 0.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 181st out of 605 Census places (US Census Bureau).
- Size percentile: ahead of around 70% of Wisconsin places in population terms (US Census Bureau).
- Coordinates: latitude 43.4450, longitude -88.6403 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Mayville, WI (6 mi); Beaver Dam, WI (10 mi); Waupun, WI (14 mi); Hartford, WI (16 mi); Watertown, WI (18 mi) (US Census Bureau).
- Nearest smaller places: Juneau, WI (4 mi); Kekoskee, WI (5 mi); Iron Ridge, WI (6 mi) (US Census Bureau estimates).
What a personal loan costs in Horicon
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Wisconsin lending rules that apply in Horicon
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Horicon
These steps are the ones that most affect the offer you receive in Horicon:
- 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.