Wild Rose at a glance
- Population: a Census-estimated 792, placing it 402nd among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 783 (US Census Bureau).
- 2020 to 2023 change: up roughly 1.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Wisconsin places: 402nd in population of 605 places (US Census Bureau).
- Size percentile: it exceeds roughly 34% of Wisconsin's Census places by population (US Census Bureau).
- Coordinates: latitude 44.1783, longitude -89.2445 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Wautoma, WI (8 mi); Redgranite, WI (11 mi); Plainfield, WI (13 mi); Waupaca, WI (15 mi); Weyauwega, WI (18 mi) (US Census Bureau).
- Nearest smaller communities: Almond, WI (10 mi); Lohrville, WI (11 mi); Hancock, WI (14 mi), each a US Census place.
What a personal loan costs in Wild Rose
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.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Wisconsin lending rules that apply in Wild Rose
The Wisconsin rate caps and licensing rules that reach Wild Rose are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Wild Rose
These steps are the ones that most affect the offer you receive in Wild Rose:
- 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.