Shullsburg at a glance
- Population: 1,192 people, the 338th-largest place among Wisconsin's 605 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,172 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 1.7% more residents than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 338th of the state's 605 Census places (US Census Bureau).
- Size percentile: larger than about 44% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: 42.5733, -90.2348 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Darlington, WI (9 mi); Cuba City, WI (10 mi); Warren, IL (14 mi); Galena, IL (14 mi); Platteville, WI (16 mi) (US Census Bureau populations).
- Nearest smaller communities: Scales Mound, IL (7 mi); Benton, WI (8 mi); Apple River, IL (9 mi) (Census populations).
What a personal loan costs in Shullsburg
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Wisconsin lending rules that apply in Shullsburg
Each row below is a Wisconsin rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Shullsburg
Before you share your details with a lender in Shullsburg:
- 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.