Rock Springs at a glance
- Population: 325 — 534th in Wisconsin, which has 605 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 327 residents here (US Census Bureau).
- 2020 to 2023 change: about 0.6% lower than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 534th in population of 605 places (US Census Bureau).
- Size percentile: about 12% of places in Wisconsin are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 43.4787, -89.9269.
- Nearest larger cities: North Freedom, WI (4 mi); Reedsburg, WI (5 mi); West Baraboo, WI (8 mi); Baraboo, WI (9 mi); Lake Delton, WI (11 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Loganville, WI (6 mi); Lime Ridge, WI (12 mi); Ironton, WI (12 mi), per US Census Bureau estimates.
What a personal loan costs in Rock Springs
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Wisconsin lending rules that apply in Rock Springs
Read the table as the compliance picture for a lender serving Rock Springs: label, sourced figure, publisher and date.
| 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 Rock Springs
Before you share your details with a lender in Rock Springs:
- 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.