Middleton at a glance
- Population: the Census estimates 22,967 residents, ranking 36th of 605 places in Wisconsin (Vintage 2023).
- 2020 Census base: 21,829 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 5.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 36th largest of 605 (US Census Bureau).
- Size percentile: about 94% of places in Wisconsin are smaller (US Census Bureau).
- Coordinates: mapped at 43.1070, -89.5063 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Madison, WI (4 mi); Fitchburg, WI (9 mi); Sun Prairie, WI (15 mi); Janesville, WI (38 mi); Beloit, WI (47 mi) (US Census Bureau).
- Nearest smaller communities: Shorewood Hills, WI (4 mi); Waunakee, WI (6 mi); Maple Bluff, WI (7 mi), each a US Census place.
What a personal loan costs in Middleton
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.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our 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.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Wisconsin lending rules that apply in Middleton
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Middleton
Before you commit to a personal loan in Middleton, work through these steps:
- 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.