Livingston at a glance
- Population: the Census estimates 646 residents, ranking 441st of 605 places in Wisconsin (Vintage 2023).
- 2020 Census base: 639 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.1% growth over the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 441st in population of 605 places (US Census Bureau).
- Size percentile: about 27% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: 42.9001 latitude, -90.4337 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Montfort, WI (5 mi); Highland, WI (11 mi); Platteville, WI (12 mi); Fennimore, WI (12 mi); Belmont, WI (12 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Rewey, WI (4 mi); Cobb, WI (7 mi); Linden, WI (8 mi) (US Census Bureau).
What a personal loan costs in Livingston
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less 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 Livingston
The sourced rows below are the rules a licensed lender must follow when lending in Wisconsin, and therefore in Livingston.
| 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 Livingston
These steps are the ones that most affect the offer you receive in Livingston:
- 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.