Luxemburg at a glance
- Population: about 2,753 residents, ranking 223rd of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 2,686 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 2.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 223rd of 605 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 63% of places in Wisconsin rank below it by population (US Census Bureau).
- Coordinates: 44.5447 latitude, -87.7066 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Kewaunee, WI (11 mi); Algoma, WI (13 mi); Bellevue, WI (14 mi); Green Bay, WI (14 mi); Allouez, WI (17 mi) (US Census Bureau).
- Nearest smaller towns: Casco, WI (4 mi); Denmark, WI (15 mi); Forestville, WI (15 mi) (US Census Bureau).
What a personal loan costs in Luxemburg
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
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.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Wisconsin lending rules that apply in Luxemburg
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Luxemburg.
| 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 Luxemburg
Run through this list before signing anything in Luxemburg:
- 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.