Sister Bay at a glance
- Population: about 1,165, 344th by size in Wisconsin of 605 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,149 residents here (US Census Bureau).
- 2020 to 2023 change: up about 1.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 344th out of 605 Census places (US Census Bureau).
- Size percentile: about 43% of places in Wisconsin are smaller (US Census Bureau).
- Coordinates: 45.1871 / -87.1294, per the US Census Bureau Gazetteer.
- Nearest larger cities: Menominee, MI (24 mi); Marinette, WI (25 mi); Sturgeon Bay, WI (28 mi); Peshtigo, WI (31 mi); Escanaba, MI (39 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Ephraim, WI (2 mi); Egg Harbor, WI (13 mi); Stephenson, MI (28 mi) (Census populations).
What a personal loan costs in Sister Bay
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Sister Bay
Read the table as the compliance picture for a lender serving Sister Bay: 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 Sister Bay
Run through this list before signing anything in Sister Bay:
- 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.