Wisconsin Dells at a glance
- Population: 3,344 (US Census Bureau, Vintage 2023 subcounty estimate), the 198th-largest of 605 places in Wisconsin.
- 2020 Census base: 2,947 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 13.5% higher than at the 2020 Census (US Census Bureau).
- Rank among Wisconsin places: 198th out of 605 Census places (US Census Bureau).
- Size percentile: larger than about 67% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: 43.6384, -89.7758 (US Census Bureau Gazetteer).
- Nearest larger cities: Lake Delton, WI (3 mi); Baraboo, WI (12 mi); Reedsburg, WI (13 mi); Portage, WI (17 mi); Mauston, WI (19 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Lyndon Station, WI (8 mi); West Baraboo, WI (11 mi); North Freedom, WI (13 mi), per US Census Bureau estimates.
What a personal loan costs in Wisconsin Dells
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Wisconsin lending rules that apply in Wisconsin Dells
Each row below is a Wisconsin rule with its publisher and the date it was retrieved.
| 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 Wisconsin Dells
Before you share your details with a lender in Wisconsin Dells:
- 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.