Pleasant Prairie at a glance
- Population: 21,818 people, the 38th-largest place among Wisconsin's 605 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 21,254 (US Census Bureau).
- 2020 to 2023 change: roughly 2.7% higher than at the 2020 Census (US Census Bureau).
- Rank among Wisconsin places: 38th in population of 605 places (US Census Bureau).
- Size percentile: roughly 94% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: 42.5267, -87.8883 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Kenosha, WI (4 mi); Zion, IL (5 mi); Waukegan, IL (11 mi); Gurnee, IL (11 mi); Mount Pleasant, WI (13 mi) (US Census Bureau).
- Nearest smaller communities: Winthrop Harbor, IL (4 mi); Wadsworth, IL (6 mi); Beach Park, IL (6 mi), each a US Census place.
What a personal loan costs in Pleasant Prairie
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.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Wisconsin lending rules that apply in Pleasant Prairie
The Wisconsin rate caps and licensing rules that reach Pleasant Prairie are listed below, each with its source and retrieval date.
| 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 Pleasant Prairie
A few practical steps will make the process in Pleasant Prairie 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.