New Holstein at a glance
- Population: about 3,012 residents, ranking 211th of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 3,190 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population fell about 5.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 211th of 605 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 65% of places in Wisconsin are smaller (US Census Bureau).
- Coordinates: 43.9492, -88.0949 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Kiel, WI (4 mi); Chilton, WI (7 mi); Plymouth, WI (15 mi); Brillion, WI (16 mi); Howards Grove, WI (16 mi) (US Census Bureau).
- Nearest smaller towns: Elkhart Lake, WI (9 mi); St. Nazianz, WI (9 mi); St. Cloud, WI (10 mi) (US Census Bureau).
What a personal loan costs in New Holstein
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Wisconsin lending rules that apply in New Holstein
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in New Holstein.
| 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 New Holstein
Before you share your details with a lender in New Holstein:
- 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.