Wauzeka at a glance
- Population: 625, the 445th-largest community in Wisconsin out of 605 (US Census Bureau, Vintage 2023).
- 2020 Census base: 630 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population fell about 0.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 445th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 26% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: 43.0859 latitude, -90.8989 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Boscobel, WI (11 mi); Prairie du Chien, WI (12 mi); Bloomington, WI (13 mi); Fennimore, WI (15 mi); McGregor, IA (15 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Woodman, WI (5 mi); Steuben, WI (7 mi); Mount Hope, WI (8 mi) (US Census Bureau).
What a personal loan costs in Wauzeka
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Wauzeka
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Wauzeka.
| 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 Wauzeka
Before you commit to a personal loan in Wauzeka, 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.