Rockdale at a glance
- Population: the Census estimates 204 residents, ranking 574th of 605 places in Wisconsin (Vintage 2023).
- 2020 Census base: 210 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 2.9% lower than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 574th out of 605 Census places (US Census Bureau).
- Size percentile: about 5% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 42.9700, -89.0306 by the US Census Bureau Gazetteer.
- Nearest larger cities: Cambridge, WI (3 mi); Deerfield, WI (6 mi); Edgerton, WI (9 mi); Lake Mills, WI (10 mi); Fort Atkinson, WI (10 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Caledonia, IL (42 mi); Ridott, IL (52 mi); Marquette, WI (54 mi) — US Census Bureau populations.
What a personal loan costs in Rockdale
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the 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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Wisconsin lending rules that apply in Rockdale
The table lists the Wisconsin rules that apply to a loan made in Rockdale, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Rockdale
The order below is a sensible way to approach a loan in Rockdale:
- 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.