Howards Grove at a glance
- Population: 3,251 residents, the 201st-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 3,235 residents here (US Census Bureau).
- 2020 to 2023 change: about 0.5% growth over the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 201st of 605 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 67% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: latitude 43.8297, longitude -87.8203 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Sheboygan Falls, WI (7 mi); Sheboygan, WI (8 mi); Plymouth, WI (9 mi); Kiel, WI (12 mi); Manitowoc, WI (20 mi) (US Census Bureau).
- Smaller towns nearby: Kohler, WI (7 mi); Cleveland, WI (7 mi); Elkhart Lake, WI (10 mi) (US Census Bureau).
What a personal loan costs in Howards Grove
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Wisconsin lending rules that apply in Howards Grove
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Howards Grove.
| 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 Howards Grove
These steps are the ones that most affect the offer you receive in Howards Grove:
- 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.