Trempealeau at a glance
- Population: 1,880 residents, the 266th-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,845 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 1.9% higher than at the 2020 Census (US Census Bureau).
- Rank among Wisconsin places: 266th of 605 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 56% of places in Wisconsin rank below it by population (US Census Bureau).
- Coordinates: 44.0022 / -91.4280, per the US Census Bureau Gazetteer.
- Nearest larger cities: Holmen, WI (8 mi); Winona, MN (12 mi); La Crescent, MN (13 mi); Onalaska, WI (14 mi); Goodview, MN (15 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Galesville, WI (7 mi); Dakota, MN (7 mi); Ettrick, WI (14 mi) (US Census Bureau estimates).
What a personal loan costs in Trempealeau
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Wisconsin lending rules that apply in Trempealeau
Each row below is a Wisconsin rule with its publisher and the date it was retrieved.
| 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 Trempealeau
The steps below are worth completing first when you borrow in Trempealeau:
- 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.