Cazenovia at a glance
- Population: 354 residents, the 525th-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- 2020 Census base: 363 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population fell about 2.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 525th by size among 605 communities (US Census Bureau).
- Size percentile: roughly 13% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: latitude 43.5253, longitude -90.2040 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: La Valle, WI (5 mi); Wonewoc, WI (9 mi); Reedsburg, WI (10 mi); Hillsboro, WI (11 mi); Elroy, WI (15 mi) (US Census Bureau).
- Nearest smaller towns: Ironton, WI (3 mi); Lime Ridge, WI (5 mi); Loganville, WI (10 mi) — US Census Bureau populations.
What a personal loan costs in Cazenovia
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Cazenovia
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Cazenovia
The steps below are worth completing first when you borrow in Cazenovia:
- 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.