Park Ridge at a glance
- Population: 533 residents, the 467th-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- 2020 Census base: 529 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up about 0.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 467th largest of 605 (US Census Bureau).
- Size percentile: about 23% of places in Wisconsin are smaller (US Census Bureau).
- Coordinates: mapped at 44.5200, -89.5463 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Stevens Point, WI (0 mi); Whiting, WI (2 mi); Plover, WI (4 mi); Biron, WI (13 mi); Amherst, WI (14 mi) (US Census Bureau populations).
- Smaller places nearby: Amherst Junction, WI (12 mi); Nelsonville, WI (12 mi); Junction City, WI (12 mi), per US Census Bureau estimates.
What a personal loan costs in Park Ridge
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Wisconsin lending rules that apply in Park Ridge
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Park Ridge.
| 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 Park Ridge
Run through this list before signing anything in Park Ridge:
- 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.