Tony at a glance
- Population: 98, the 597th-largest community in Wisconsin out of 605 (US Census Bureau, Vintage 2023).
- 2020 Census base: 101 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a loss of about 3.0% since the 2020 count (US Census Bureau).
- Rank among Wisconsin places: 597th of 605 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 1% of places in Wisconsin rank below it by population (US Census Bureau).
- Coordinates: mapped at 45.4803, -90.9972 by the US Census Bureau Gazetteer.
- Nearest larger cities: Ladysmith, WI (5 mi); Sheldon, WI (12 mi); Bruce, WI (14 mi); Hawkins, WI (14 mi); Exeland, WI (18 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Glen Flora, WI (5 mi); Conrath, WI (7 mi); Ingram, WI (9 mi) — US Census Bureau populations.
What a personal loan costs in Tony
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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 longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Tony
The table lists the Wisconsin rules that apply to a loan made in Tony, each with the regulator that published it.
| 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 Tony
Before you share your details with a lender in Tony:
- 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.