Ladysmith at a glance
- Population: 3,087 people, the 210th-largest place among Wisconsin's 605 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,222 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 4.2% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Wisconsin places: the 210th-largest of 605 (US Census Bureau, 2023 estimate).
- Size percentile: about 65% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: 45.4610 / -91.0976, per the US Census Bureau Gazetteer.
- Nearest larger cities: Bloomer, WI (31 mi); Rice Lake, WI (31 mi); Stanley, WI (35 mi); Barron, WI (36 mi); Chippewa Falls, WI (39 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Tony, WI (5 mi); Conrath, WI (6 mi); Bruce, WI (9 mi) (US Census Bureau).
What a personal loan costs in Ladysmith
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
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 Ladysmith
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Ladysmith
The steps below are worth completing first when you borrow in Ladysmith:
- 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.