Redgranite at a glance
- Population: roughly 2,021 people; 262nd of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,068 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population fell about 2.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 262nd of the state's 605 Census places (US Census Bureau).
- Size percentile: roughly 57% of places in Wisconsin rank below it by population (US Census Bureau).
- Coordinates: mapped at 44.0533, -89.1159 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Wautoma, WI (9 mi); Berlin, WI (10 mi); Omro, WI (19 mi); Ripon, WI (20 mi); Winneconne, WI (20 mi) (US Census Bureau).
- Nearest smaller communities: Lohrville, WI (1 mi); Neshkoro, WI (8 mi); Wild Rose, WI (11 mi) (Census populations).
What a personal loan costs in Redgranite
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Redgranite
The table lists the Wisconsin rules that apply to a loan made in Redgranite, each with the regulator that published it.
| 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 Redgranite
A few practical steps will make the process in Redgranite 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.