Rio at a glance
- Population: 1,131 — 348th in Wisconsin, which has 605 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 1,122 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 0.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 348th by size among 605 communities (US Census Bureau).
- Size percentile: about 42% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: 43.4522, -89.2416 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Pardeeville, WI (7 mi); Poynette, WI (9 mi); Fall River, WI (11 mi); Portage, WI (13 mi); Columbus, WI (13 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Wyocena, WI (4 mi); Doylestown, WI (5 mi); Cambria, WI (9 mi), each a US Census place.
What a personal loan costs in Rio
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Rio
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 Rio
A few practical steps will make the process in Rio 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.