Ogdensburg at a glance
- Population: 183 (US Census Bureau, Vintage 2023 subcounty estimate), the 578th-largest of 605 places in Wisconsin.
- 2020 Census base: 187 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population fell about 2.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 578th in population of 605 places (US Census Bureau).
- Size percentile: about 4% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 44.4572, -89.0243 by the US Census Bureau Gazetteer.
- Nearest larger cities: Manawa, WI (5 mi); Iola, WI (6 mi); Scandinavia, WI (6 mi); Waupaca, WI (8 mi); Weyauwega, WI (10 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Big Falls, WI (11 mi); Nelsonville, WI (14 mi); Elderon, WI (25 mi) — US Census Bureau populations.
What a personal loan costs in Ogdensburg
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Wisconsin lending rules that apply in Ogdensburg
Each row below is a Wisconsin rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Ogdensburg
Before you share your details with a lender in Ogdensburg:
- 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.