Woodman at a glance
- Population: a Census-estimated 120, placing it 591st among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 118 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up about 1.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 591st-largest of 605 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 2% of places in Wisconsin rank below it by population (US Census Bureau).
- Coordinates: 43.0925, -90.7978 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Wauzeka, WI (5 mi); Boscobel, WI (6 mi); Steuben, WI (7 mi); Mount Hope, WI (9 mi); Fennimore, WI (11 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Bell Center, WI (14 mi); Clayton, IA (22 mi); Waterville, IA (26 mi) (US Census Bureau).
What a personal loan costs in Woodman
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Wisconsin lending rules that apply in Woodman
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Woodman.
| 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 Woodman
A few practical steps will make the process in Woodman less costly:
- 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.