Kohler at a glance
- Population: about 2,235, 248th by size in Wisconsin of 605 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,199 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 1.6% since the 2020 count (US Census Bureau).
- Rank among Wisconsin places: 248th in population of 605 places (US Census Bureau).
- Size percentile: about 59% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 43.7400, -87.7768 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Sheboygan, WI (2 mi); Sheboygan Falls, WI (3 mi); Howards Grove, WI (7 mi); Oostburg, WI (8 mi); Plymouth, WI (9 mi) (US Census Bureau).
- Nearest smaller places: Waldo, WI (10 mi); Adell, WI (12 mi); Cedar Grove, WI (12 mi) (US Census Bureau estimates).
What a personal loan costs in Kohler
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Kohler
Each row below is a Wisconsin rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Kohler
The steps below are worth completing first when you borrow in Kohler:
- 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.