Strum at a glance
- Population: 1,057 residents, the 360th-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 1,079 (US Census Bureau).
- 2020 to 2023 change: about 2.0% lower than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 360th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 40% of Wisconsin's Census places by population (US Census Bureau).
- Coordinates: mapped at 44.5532, -91.3886 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Osseo, WI (9 mi); Whitehall, WI (14 mi); Mondovi, WI (14 mi); Fall Creek, WI (16 mi); Augusta, WI (16 mi) (US Census Bureau populations).
- Nearest smaller places: Eleva, WI (4 mi); Pigeon Falls, WI (13 mi); Taylor, WI (21 mi) (US Census Bureau estimates).
What a personal loan costs in Strum
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
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.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Wisconsin lending rules that apply in Strum
The sourced rows below are the rules a licensed lender must follow when lending in Wisconsin, and therefore in Strum.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Strum
The order below is a sensible way to approach a loan in Strum:
- 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.