Port Washington at a glance
- Population: a Census-estimated 12,763, placing it 74th among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 12,355 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 3.3% since the 2020 count (US Census Bureau).
- Rank among Wisconsin places: 74th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 88% of places in Wisconsin rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 43.3849, -87.8841.
- Nearest larger cities: Mequon, WI (14 mi); West Bend, WI (15 mi); Germantown, WI (16 mi); Glendale, WI (18 mi); Whitefish Bay, WI (19 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Saukville, WI (3 mi); Grafton, WI (5 mi); Fredonia, WI (7 mi) (US Census Bureau estimates).
What a personal loan costs in Port Washington
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.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Wisconsin lending rules that apply in Port Washington
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Port Washington
Before you share your details with a lender in Port Washington:
- 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.