Whitehall at a glance
- Population: 1,616 residents, the 286th-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,653 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 2.2% since the 2020 count (US Census Bureau).
- Rank among Wisconsin places: 286th of the state's 605 Census places (US Census Bureau).
- Size percentile: it is larger than about 53% of the places in Wisconsin (US Census Bureau).
- Coordinates: it sits at 44.3605, -91.3378 in the US Census Bureau Gazetteer.
- Nearest larger cities: Arcadia, WI (11 mi); Osseo, WI (16 mi); Galesville, WI (19 mi); Mondovi, WI (22 mi); Black River Falls, WI (25 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Blair, WI (3 mi); Independence, WI (5 mi); Pigeon Falls, WI (8 mi) (Census populations).
What a personal loan costs in Whitehall
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Wisconsin lending rules that apply in Whitehall
The table lists the Wisconsin rules that apply to a loan made in Whitehall, 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 Whitehall
Before you commit to a personal loan in Whitehall, 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.