Oxford at a glance
- Population: 534 residents, the 466th-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- 2020 Census base: 535 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a decline of roughly 0.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 466th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 23% of places in Wisconsin rank below it by population (US Census Bureau).
- Coordinates: 43.7804, -89.5636 (US Census Bureau Gazetteer).
- Nearest larger cities: Westfield, WI (8 mi); Montello, WI (12 mi); Wisconsin Dells, WI (14 mi); Portage, WI (17 mi); Lake Delton, WI (17 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Endeavor, WI (7 mi); Lyndon Station, WI (17 mi); Coloma, WI (18 mi) (US Census Bureau).
What a personal loan costs in Oxford
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed 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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Wisconsin lending rules that apply in Oxford
The table lists the Wisconsin rules that apply to a loan made in Oxford, each with the regulator that published it.
| 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 Oxford
The order below is a sensible way to approach a loan in Oxford:
- 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.