Luck at a glance
- Population: 1,067 people, the 358th-largest place among Wisconsin's 605 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 1,089 residents here (US Census Bureau).
- 2020 to 2023 change: about 2.0% lower than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 358th of 605 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 41% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 45.5768, -92.4625.
- Nearest larger cities: Frederic, WI (5 mi); St. Croix Falls, WI (14 mi); Grantsburg, WI (18 mi); Shafer, MN (19 mi); Amery, WI (19 mi), each a US Census place with its estimated population.
- Smaller places nearby: Milltown, WI (4 mi); Balsam Lake, WI (8 mi); Centuria, WI (10 mi), per US Census Bureau estimates.
What a personal loan costs in Luck
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Wisconsin lending rules that apply in Luck
The Wisconsin rate caps and licensing rules that reach Luck are listed below, each with its source and retrieval date.
| 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 Luck
A few practical steps will make the process in Luck less costly:
- 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.