Roberts at a glance
- Population: about 2,092 residents, ranking 259th of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 1,923 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 8.8% more residents than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 259th in population of 605 places (US Census Bureau).
- Size percentile: roughly 57% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: 44.9733, -92.5501 (Census Gazetteer, US Census Bureau).
- Nearest larger cities within 120 miles: River Falls, WI (9 mi); Baldwin, WI (9 mi); Hudson, WI (9 mi); North Hudson, WI (10 mi); New Richmond, WI (10 mi) (US Census Bureau).
- Smaller towns nearby: Hammond, WI (5 mi); Lakeland Shores, MN (11 mi); Lakeland, MN (11 mi) (US Census Bureau).
What a personal loan costs in Roberts
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed 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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Wisconsin lending rules that apply in Roberts
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Roberts.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Roberts
The steps below are worth completing first when you borrow in Roberts:
- 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.