Theresa at a glance
- Population: 1,256 — 334th in Wisconsin, which has 605 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,254 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 0.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 334th out of 605 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 45% of Wisconsin's Census places by population (US Census Bureau).
- Coordinates: 43.5168 / -88.4538, per the US Census Bureau Gazetteer.
- Nearest larger cities: Mayville, WI (5 mi); Lomira, WI (5 mi); Campbellsport, WI (10 mi); Horicon, WI (11 mi); Kewaskum, WI (11 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Kekoskee, WI (7 mi); Brownsville, WI (7 mi); Iron Ridge, WI (9 mi) (US Census Bureau).
What a personal loan costs in Theresa
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Theresa
Read the table as the compliance picture for a lender serving Theresa: label, sourced figure, publisher and date.
| 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 Theresa
Before you share your details with a lender in Theresa:
- 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.