Maiden Rock at a glance
- Population: roughly 115 people; 594th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 116 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 0.9% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Wisconsin places: 594th by size among 605 communities (US Census Bureau).
- Size percentile: it is larger than about 2% of the places in Wisconsin (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 44.5679, -92.3093.
- Nearest larger cities: Bay City, WI (7 mi); Plum City, WI (7 mi); Lake City, MN (9 mi); Pepin, WI (12 mi); Ellsworth, WI (14 mi); US Census Bureau population estimates.
- Smaller places nearby: Stockholm, WI (6 mi); New Trier, MN (31 mi); Minneiska, MN (33 mi), per US Census Bureau estimates.
What a personal loan costs in Maiden Rock
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Maiden Rock
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 |
|---|---|---|
| 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 Maiden Rock
Before you share your details with a lender in Maiden Rock:
- 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.