North Prairie at a glance
- Population: 2,198 (US Census Bureau, Vintage 2023 subcounty estimate), the 252nd-largest of 605 places in Wisconsin.
- 2020 Census base: 2,203 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 0.2% below the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: the 252nd-largest of 605 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 58% of Wisconsin places in population terms (US Census Bureau).
- Coordinates: 42.9409, -88.4021 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Wales, WI (5 mi); Dousman, WI (6 mi); Mukwonago, WI (7 mi); Waukesha, WI (8 mi); Vernon, WI (8 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Eagle, WI (5 mi); Nashotah, WI (10 mi); Palmyra, WI (11 mi), per US Census Bureau estimates.
What a personal loan costs in North Prairie
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
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 North Prairie
The table lists the Wisconsin rules that apply to a loan made in North Prairie, each with the regulator that published it.
| 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 North Prairie
Here is a short checklist for comparing personal loans in North Prairie:
- 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.