Ingram at a glance
- Population: 71 residents, the 603rd-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 73 (US Census Bureau).
- 2020 to 2023 change: roughly 2.7% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Wisconsin places: 603rd of the state's 605 Census places (US Census Bureau).
- Size percentile: roughly 0% of places in Wisconsin rank below it by population (US Census Bureau).
- Coordinates: 45.5056, -90.8137 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Glen Flora, WI (4 mi); Hawkins, WI (5 mi); Tony, WI (9 mi); Kennan, WI (11 mi); Conrath, WI (14 mi) (US Census Bureau).
- Nearest smaller towns: Big Falls, WI (107 mi); Henriette, MN (114 mi); Denham, MN (118 mi) (US Census Bureau).
What a personal loan costs in Ingram
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Wisconsin lending rules that apply in Ingram
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 |
|---|---|---|
| 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 Ingram
A few practical steps will make the process in Ingram less costly:
- 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.