Sun Prairie at a glance
- Population: about 37,890 residents, ranking 20th of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 35,973 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up roughly 5.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Wisconsin places: 20th of 605 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 97% of Wisconsin places in population terms (US Census Bureau).
- Coordinates: latitude 43.1826, longitude -89.2378 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Madison, WI (12 mi); Janesville, WI (36 mi); Waukesha, WI (52 mi); Menomonee Falls, WI (56 mi); Brookfield, WI (57 mi) (US Census Bureau).
- Nearest smaller towns: Windsor, WI (5 mi); DeForest, WI (6 mi); Cottage Grove, WI (6 mi) — US Census Bureau populations.
What a personal loan costs in Sun Prairie
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Wisconsin lending rules that apply in Sun Prairie
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Sun Prairie
Before you share your details with a lender in Sun Prairie:
- 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.