Mount Sterling at a glance
- Population: a Census-estimated 181, placing it 579th among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 187 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 3.2% since the 2020 count (US Census Bureau).
- Rank among Wisconsin places: 579th of the state's 605 Census places (US Census Bureau).
- Size percentile: roughly 4% of places in Wisconsin rank below it by population (US Census Bureau).
- Coordinates: 43.3162 latitude, -90.9292 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Gays Mills, WI (4 mi); Ferryville, WI (9 mi); Soldiers Grove, WI (9 mi); Eastman, WI (12 mi); Readstown, WI (13 mi) (US Census Bureau).
- Smaller places nearby: Bell Center, WI (5 mi); Lynxville, WI (7 mi); Steuben, WI (10 mi), per US Census Bureau estimates.
What a personal loan costs in Mount Sterling
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
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.
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 Mount Sterling
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 |
|---|---|---|
| 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 Mount Sterling
The order below is a sensible way to approach a loan in Mount Sterling:
- 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.