La Valle at a glance
- Population: 377 (US Census Bureau, Vintage 2023 subcounty estimate), the 515th-largest of 605 places in Wisconsin.
- 2020 Census base: 389 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a decline of roughly 3.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 515th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 15% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 43.5827, -90.1302.
- Nearest larger cities: Wonewoc, WI (7 mi); Reedsburg, WI (8 mi); Hillsboro, WI (11 mi); Elroy, WI (13 mi); Lyndon Station, WI (15 mi); each population is a US Census Bureau estimate.
- Smaller places close by: Ironton, WI (3 mi); Cazenovia, WI (5 mi); Lime Ridge, WI (8 mi) (US Census Bureau).
What a personal loan costs in La Valle
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Wisconsin lending rules that apply in La Valle
The table lists the Wisconsin rules that apply to a loan made in La Valle, each with the regulator that published it.
| 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 La Valle
The steps below are worth completing first when you borrow in La Valle:
- 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.