Omro at a glance
- Population: the Census estimates 3,623 residents, ranking 187th of 605 places in Wisconsin (Vintage 2023).
- 2020 Census base: 3,654 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 0.8% lower than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 187th largest of 605 (US Census Bureau).
- Size percentile: ahead of around 69% of Wisconsin places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 44.0390, -88.7370.
- Nearest larger cities: Oshkosh, WI (9 mi); Berlin, WI (12 mi); Ripon, WI (14 mi); Neenah, WI (15 mi); Fox Crossing, WI (18 mi); US Census Bureau population estimates.
- Nearest smaller communities: Winneconne, WI (5 mi); Rosendale, WI (16 mi); Fremont, WI (17 mi) (Census populations).
What a personal loan costs in Omro
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Wisconsin lending rules that apply in Omro
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Omro
Before you commit to a personal loan in Omro, work through these steps:
- 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.