Pardeeville at a glance
- Population: about 2,051 residents, ranking 260th of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 2,076 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 1.2% lower than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: the 260th-largest of 605 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 57% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 43.5373, -89.3026 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Portage, WI (8 mi); Poynette, WI (11 mi); Lodi, WI (19 mi); Columbus, WI (19 mi); Windsor, WI (20 mi) (US Census Bureau).
- Nearest smaller communities: Wyocena, WI (3 mi); Rio, WI (7 mi); Cambria, WI (10 mi) (Census populations).
What a personal loan costs in Pardeeville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Wisconsin lending rules that apply in Pardeeville
The Wisconsin rate caps and licensing rules that reach Pardeeville are listed below, each with its source and retrieval 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 Pardeeville
Here is a short checklist for comparing personal loans in Pardeeville:
- 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.