Randolph at a glance
- Population: 1,769 (US Census Bureau, Vintage 2023 subcounty estimate), the 275th-largest of 605 places in Wisconsin.
- 2020 Census base: the 2020 Census recorded 1,796 residents here (US Census Bureau).
- 2020 to 2023 change: population fell about 1.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 275th largest of 605 (US Census Bureau).
- Size percentile: ahead of around 55% of Wisconsin places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 43.5395, -89.0028.
- Nearest larger cities: Beaver Dam, WI (10 mi); Fall River, WI (11 mi); Columbus, WI (14 mi); Waupun, WI (15 mi); Pardeeville, WI (15 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Friesland, WI (5 mi); Fox Lake, WI (5 mi); Cambria, WI (5 mi), each a US Census place.
What a personal loan costs in Randolph
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Randolph
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Randolph.
| 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 Randolph
The order below is a sensible way to approach a loan in Randolph:
- 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.