Whiting at a glance
- Population: a Census-estimated 1,598, placing it 288th among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,607 residents here (US Census Bureau).
- 2020 to 2023 change: population fell about 0.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 288th of the state's 605 Census places (US Census Bureau).
- Size percentile: roughly 52% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 44.4901, -89.5600 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Plover, WI (2 mi); Stevens Point, WI (2 mi); Wisconsin Rapids, WI (15 mi); Port Edwards, WI (17 mi); Nekoosa, WI (21 mi) (US Census Bureau).
- Nearest smaller communities: Park Ridge, WI (2 mi); Biron, WI (11 mi); Rudolph, WI (12 mi), each a US Census place.
What a personal loan costs in Whiting
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Whiting
The table lists the Wisconsin rules that apply to a loan made in Whiting, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Whiting
Before you commit to a personal loan in Whiting, 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.