North Freedom at a glance
- Population: 587 residents, the 450th-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- 2020 Census base: 602 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down about 2.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 450th of 605 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 26% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: 43.4580 latitude, -89.8538 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: West Baraboo, WI (4 mi); Baraboo, WI (6 mi); Reedsburg, WI (9 mi); Lake Delton, WI (10 mi); Prairie du Sac, WI (13 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Rock Springs, WI (4 mi); Loganville, WI (9 mi); Merrimac, WI (13 mi) — US Census Bureau populations.
What a personal loan costs in North Freedom
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Wisconsin lending rules that apply in North Freedom
Read the table as the compliance picture for a lender serving North Freedom: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in North Freedom
The steps below are worth completing first when you borrow in North Freedom:
- 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.