Kellnersville at a glance
- Population: roughly 306 people; 541st of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 310 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 1.3% lower than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 541st in population of 605 places (US Census Bureau).
- Size percentile: about 11% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 44.2252, -87.8031.
- Nearest larger cities: Maribel, WI (4 mi); Francis Creek, WI (4 mi); Whitelaw, WI (5 mi); Mishicot, WI (8 mi); Denmark, WI (9 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Potter, WI (17 mi); Nichols, WI (40 mi); Embarrass, WI (54 mi), each a US Census place.
What a personal loan costs in Kellnersville
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Wisconsin lending rules that apply in Kellnersville
Each row below is a Wisconsin rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Kellnersville
A few practical steps will make the process in Kellnersville 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.