Milltown at a glance
- Population: the Census estimates 943 residents, ranking 372nd of 605 places in Wisconsin (Vintage 2023).
- 2020 Census base: 949 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population fell about 0.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 372nd by size among 605 communities (US Census Bureau).
- Size percentile: it is larger than about 39% of the places in Wisconsin (US Census Bureau).
- Coordinates: 45.5211, -92.4985 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Luck, WI (4 mi); Frederic, WI (9 mi); St. Croix Falls, WI (10 mi); Taylors Falls, MN (12 mi); Shafer, MN (16 mi); US Census Bureau population estimates.
- Smaller towns nearby: Balsam Lake, WI (5 mi); Centuria, WI (6 mi); Dresser, WI (13 mi) (US Census Bureau).
What a personal loan costs in Milltown
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Wisconsin lending rules that apply in Milltown
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 |
|---|---|---|
| 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 Milltown
Before you share your details with a lender in Milltown:
- 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.