Oakdale at a glance
- Population: a Census-estimated 305, placing it 543rd among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 303 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up roughly 0.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Wisconsin places: 543rd largest of 605 (US Census Bureau).
- Size percentile: larger than about 10% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: 43.9622 / -90.3791, per the US Census Bureau Gazetteer.
- Nearest larger cities: Camp Douglas, WI (6 mi); Tomah, WI (6 mi); Kendall, WI (12 mi); New Lisbon, WI (12 mi); Wilton, WI (13 mi); US Census Bureau population estimates.
- Smaller places nearby: Wyeville, WI (5 mi); Hustler, WI (8 mi); Union Center, WI (20 mi), per US Census Bureau estimates.
What a personal loan costs in Oakdale
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less 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 Oakdale
The sourced rows below are the rules a licensed lender must follow when lending in Wisconsin, and therefore in Oakdale.
| 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 Oakdale
These steps are the ones that most affect the offer you receive in Oakdale:
- 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.