Osseo at a glance
- Population: roughly 1,787 people; 272nd of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,811 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 1.3% lower than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 272nd out of 605 Census places (US Census Bureau).
- Size percentile: ahead of around 55% of Wisconsin places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 44.5798, -91.2138.
- Nearest larger cities (120-mile radius): Altoona, WI (19 mi); Eau Claire, WI (21 mi); Mondovi, WI (22 mi); Lake Hallie, WI (24 mi); Chippewa Falls, WI (26 mi) (US Census Bureau).
- Smaller places nearby: Augusta, WI (8 mi); Strum, WI (9 mi); Pigeon Falls, WI (11 mi), per US Census Bureau estimates.
What a personal loan costs in Osseo
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Wisconsin lending rules that apply in Osseo
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Osseo.
| 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 Osseo
The steps below are worth completing first when you borrow in Osseo:
- 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.