Pigeon Falls at a glance
- Population: 372, the 519th-largest community in Wisconsin out of 605 (US Census Bureau, Vintage 2023).
- 2020 Census base: 381 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population fell about 2.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 519th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 14% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: 44.4246 latitude, -91.2083 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Whitehall, WI (8 mi); Blair, WI (8 mi); Taylor, WI (8 mi); Hixton, WI (10 mi); Osseo, WI (11 mi); US Census Bureau population estimates.
- Nearest smaller communities: Minnesota City, MN (35 mi); Dakota, MN (36 mi); Minneiska, MN (37 mi), each a US Census place.
What a personal loan costs in Pigeon Falls
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Wisconsin lending rules that apply in Pigeon Falls
Each row below is a Wisconsin rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Pigeon Falls
The order below is a sensible way to approach a loan in Pigeon Falls:
- 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.