Prairie Farm at a glance
- Population: the Census estimates 492 residents, ranking 481st of 605 places in Wisconsin (Vintage 2023).
- 2020 Census base: 490 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population rose about 0.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 481st of 605 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 20% of places in Wisconsin are smaller (US Census Bureau).
- Coordinates: 45.2364, -91.9800 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Clayton, WI (11 mi); Almena, WI (13 mi); Barron, WI (13 mi); Turtle Lake, WI (13 mi); Boyceville, WI (14 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Ridgeland, WI (5 mi); Dallas, WI (8 mi); Wheeler, WI (14 mi), each a US Census place.
What a personal loan costs in Prairie Farm
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would 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.
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 Prairie Farm
The table lists the Wisconsin rules that apply to a loan made in Prairie Farm, each with the regulator that published it.
| 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 Prairie Farm
The order below is a sensible way to approach a loan in Prairie Farm:
- 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.