Owen at a glance
- Population: 907 — 381st in Wisconsin, which has 605 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 911 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 0.4% below the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 381st by size among 605 communities (US Census Bureau).
- Size percentile: about 37% of places in Wisconsin are smaller (US Census Bureau).
- Coordinates: mapped at 44.9491, -90.5611 by the US Census Bureau Gazetteer.
- Nearest larger cities: Thorp, WI (12 mi); Abbotsford, WI (12 mi); Colby, WI (12 mi); Greenwood, WI (13 mi); Loyal, WI (15 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Withee, WI (2 mi); Curtiss, WI (6 mi); Lublin, WI (12 mi) (US Census Bureau).
What a personal loan costs in Owen
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Wisconsin lending rules that apply in Owen
The table lists the Wisconsin rules that apply to a loan made in Owen, each with the regulator that published it.
| 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 Owen
A few practical steps will make the process in Owen less costly:
- 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.