Mason at a glance
- Population: about 105 residents, ranking 596th of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 103 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 1.9% growth over the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 596th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 1% of the places in Wisconsin (US Census Bureau).
- Coordinates: 46.4363, -91.0598 (US Census Bureau Gazetteer).
- Nearest larger cities: Ashland, WI (13 mi); Washburn, WI (18 mi); Mellen, WI (21 mi); Bayfield, WI (29 mi); Lake Nebagamon, WI (31 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Couderay, WI (46 mi); Ingram, WI (65 mi); Glen Flora, WI (65 mi), each a US Census place.
What a personal loan costs in Mason
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Wisconsin lending rules that apply in Mason
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Mason
These steps are the ones that most affect the offer you receive in Mason:
- 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.