Oliver at a glance
- Population: the Census estimates 417 residents, ranking 508th of 605 places in Wisconsin (Vintage 2023).
- 2020 Census base: 416 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population rose about 0.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 508th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 16% of places in Wisconsin are smaller (US Census Bureau).
- Coordinates: 46.6458, -92.1847 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Superior, WI (4 mi); Superior, WI (6 mi); Proctor, MN (7 mi); Duluth, MN (9 mi); Wrenshall, MN (10 mi) (US Census Bureau).
- Smaller towns nearby: Brookston, MN (25 mi); Kerrick, MN (28 mi); Cromwell, MN (33 mi) (US Census Bureau).
What a personal loan costs in Oliver
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Oliver
Read the table as the compliance picture for a lender serving Oliver: label, sourced figure, publisher and date.
| 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 Oliver
The order below is a sensible way to approach a loan in Oliver:
- 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.