Tomah at a glance
- Population: 9,452 — 102nd in Wisconsin, which has 605 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 9,566 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: roughly 1.2% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Wisconsin places: 102nd out of 605 Census places (US Census Bureau).
- Size percentile: larger than about 83% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: 43.9880, -90.5014 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Sparta, WI (16 mi); Onalaska, WI (36 mi); La Crosse, WI (38 mi); Holmen, WI (38 mi); Reedsburg, WI (40 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Oakdale, WI (6 mi); Wyeville, WI (6 mi); Warrens, WI (10 mi) (US Census Bureau estimates).
What a personal loan costs in Tomah
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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.
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 Tomah
The table lists the Wisconsin rules that apply to a loan made in Tomah, each with the regulator that published it.
| 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 Tomah
Before you commit to a personal loan in Tomah, work through these steps:
- 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.