Bagley at a glance
- Population: roughly 357 people; 524th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 354 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 0.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 524th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 13% of places in Wisconsin rank below it by population (US Census Bureau).
- Coordinates: latitude 42.9015, longitude -91.0970 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Garnavillo, IA (7 mi); Guttenberg, IA (8 mi); Bloomington, WI (9 mi); McGregor, IA (10 mi); Prairie du Chien, WI (10 mi) (US Census Bureau).
- Smaller places nearby: Clayton, IA (3 mi); Patch Grove, WI (7 mi); Osterdock, IA (12 mi), per US Census Bureau estimates.
What a personal loan costs in Bagley
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Wisconsin lending rules that apply in Bagley
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bagley
Run through this list before signing anything in Bagley:
- 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.