Richland Center at a glance
- Population: 4,944, the 154th-largest community in Wisconsin out of 605 (US Census Bureau, Vintage 2023).
- 2020 Census base: 5,118 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down about 3.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 154th by size among 605 communities (US Census Bureau).
- Size percentile: larger than about 75% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: 43.3405 latitude, -90.3834 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Reedsburg, WI (24 mi); Dodgeville, WI (29 mi); Baraboo, WI (34 mi); Mount Horeb, WI (40 mi); Platteville, WI (43 mi) (US Census Bureau).
- Smaller towns nearby: Boaz, WI (7 mi); Muscoda, WI (11 mi); Avoca, WI (11 mi) (US Census Bureau).
What a personal loan costs in Richland Center
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Wisconsin lending rules that apply in Richland Center
Each row below is a Wisconsin rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Richland Center
The steps below are worth completing first when you borrow in Richland Center:
- 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.