Lake Hallie at a glance
- Population: 7,310 people, the 130th-largest place among Wisconsin's 605 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 7,166 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 2.0% higher than at the 2020 Census (US Census Bureau).
- Rank among Wisconsin places: 130th out of 605 Census places (US Census Bureau).
- Size percentile: it is larger than about 79% of the places in Wisconsin (US Census Bureau).
- Coordinates: 44.8917, -91.4203 (US Census Bureau Gazetteer).
- Nearest larger cities: Chippewa Falls, WI (3 mi); Eau Claire, WI (6 mi); Altoona, WI (6 mi); Menomonie, WI (24 mi); Rice Lake, WI (44 mi); US Census Bureau population estimates.
- Smaller places nearby: Fall Creek, WI (11 mi); Elk Mound, WI (13 mi); Cadott, WI (14 mi), per US Census Bureau estimates.
What a personal loan costs in Lake Hallie
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Wisconsin lending rules that apply in Lake Hallie
The table lists the Wisconsin rules that apply to a loan made in Lake Hallie, each with the regulator that published it.
| 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 Lake Hallie
Run through this list before signing anything in Lake Hallie:
- 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.