River Hills at a glance
- Population: about 1,563 residents, ranking 296th of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 1,599 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 2.3% below the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: the 296th-largest of 605 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 51% of Wisconsin places in population terms (US Census Bureau).
- Coordinates: latitude 43.1735, longitude -87.9338 (US Census Bureau Gazetteer).
- Nearest larger cities: Bayside, WI (2 mi); Fox Point, WI (2 mi); Brown Deer, WI (2 mi); Glendale, WI (3 mi); Whitefish Bay, WI (4 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Newburg, WI (19 mi); Chenequa, WI (23 mi); Big Bend, WI (24 mi), per US Census Bureau estimates.
What a personal loan costs in River Hills
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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 useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Wisconsin lending rules that apply in River Hills
The sourced rows below are the rules a licensed lender must follow when lending in Wisconsin, and therefore in River Hills.
| 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 River Hills
Before you commit to a personal loan in River Hills, work through these steps:
- 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.