Arena at a glance
- Population: about 853, 390th by size in Wisconsin of 605 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 841 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 1.4% higher than at the 2020 Census (US Census Bureau).
- Rank among Wisconsin places: 390th of the state's 605 Census places (US Census Bureau).
- Size percentile: about 36% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 43.1636, -89.9074.
- Nearest larger cities: Mazomanie, WI (6 mi); Spring Green, WI (8 mi); Black Earth, WI (8 mi); Barneveld, WI (10 mi); Blue Mounds, WI (11 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Plain, WI (10 mi); Ridgeway, WI (12 mi); Lone Rock, WI (15 mi) (Census populations).
What a personal loan costs in Arena
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Arena
The sourced rows below are the rules a licensed lender must follow when lending in Wisconsin, and therefore in Arena.
| 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 Arena
Here is a short checklist for comparing personal loans in Arena:
- 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.