Sauk City at a glance
- Population: the Census estimates 3,475 residents, ranking 192nd of 605 places in Wisconsin (Vintage 2023).
- 2020 Census base: 3,521 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 1.3% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Wisconsin places: the 192nd-largest of 605 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 68% of places in Wisconsin rank below it by population (US Census Bureau).
- Coordinates: 43.2733, -89.7325 (US Census Bureau Gazetteer).
- Nearest larger cities: Prairie du Sac, WI (1 mi); Cross Plains, WI (12 mi); Baraboo, WI (13 mi); Waunakee, WI (16 mi); Middleton, WI (16 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Mazomanie, WI (8 mi); Merrimac, WI (9 mi); Black Earth, WI (10 mi), per US Census Bureau estimates.
What a personal loan costs in Sauk City
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
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 Sauk City
The sourced rows below are the rules a licensed lender must follow when lending in Wisconsin, and therefore in Sauk City.
| 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 Sauk City
These steps are the ones that most affect the offer you receive in Sauk City:
- 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.