Neillsville at a glance
- Population: 2,311 (US Census Bureau, Vintage 2023 subcounty estimate), the 243rd-largest of 605 places in Wisconsin.
- 2020 Census base: the 2020 count put the population at 2,391 (US Census Bureau).
- 2020 to 2023 change: a loss of about 3.3% since the 2020 count (US Census Bureau).
- Rank among Wisconsin places: the 243rd-largest of 605 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 60% of the places in Wisconsin (US Census Bureau).
- Coordinates: 44.5603 latitude, -90.5908 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Marshfield, WI (22 mi); Black River Falls, WI (22 mi); Abbotsford, WI (30 mi); Stanley, WI (33 mi); Nekoosa, WI (38 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Granton, WI (7 mi); Loyal, WI (13 mi); Greenwood, WI (14 mi) (US Census Bureau).
What a personal loan costs in Neillsville
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Neillsville
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 Neillsville
Before you commit to a personal loan in Neillsville, 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.