Oostburg at a glance
- Population: the Census estimates 3,101 residents, ranking 209th of 605 places in Wisconsin (Vintage 2023).
- 2020 Census base: 3,057 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 1.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Wisconsin places: 209th in population of 605 places (US Census Bureau).
- Size percentile: larger than about 65% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: 43.6241 / -87.7881, per the US Census Bureau Gazetteer.
- Nearest larger cities: Sheboygan Falls, WI (8 mi); Sheboygan, WI (8 mi); Plymouth, WI (12 mi); Howards Grove, WI (14 mi); Port Washington, WI (17 mi); US Census Bureau population estimates.
- Smaller places nearby: Cedar Grove, WI (4 mi); Adell, WI (8 mi); Kohler, WI (8 mi), per US Census Bureau estimates.
What a personal loan costs in Oostburg
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Oostburg
Read the table as the compliance picture for a lender serving Oostburg: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Oostburg
The order below is a sensible way to approach a loan in Oostburg:
- 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.