Muscoda at a glance
- Population: the Census estimates 1,262 residents, ranking 332nd of 605 places in Wisconsin (Vintage 2023).
- 2020 Census base: 1,305 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 3.3% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Wisconsin places: 332nd in population of 605 places (US Census Bureau).
- Size percentile: ahead of around 45% of Wisconsin places in population terms (US Census Bureau).
- Coordinates: it sits at 43.1864, -90.4319 in the US Census Bureau Gazetteer.
- Nearest larger cities: Richland Center, WI (11 mi); Boscobel, WI (14 mi); Fennimore, WI (18 mi); Spring Green, WI (18 mi); Dodgeville, WI (22 mi); US Census Bureau population estimates.
- Nearest smaller communities: Avoca, WI (5 mi); Blue River, WI (7 mi); Highland, WI (10 mi) (Census populations).
What a personal loan costs in Muscoda
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Wisconsin lending rules that apply in Muscoda
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 Muscoda
The steps below are worth completing first when you borrow in Muscoda:
- 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.