Cecil at a glance
- Population: 530 people, the 469th-largest place among Wisconsin's 605 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 527 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population rose about 0.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 469th in population of 605 places (US Census Bureau).
- Size percentile: it is larger than about 22% of the places in Wisconsin (US Census Bureau).
- Coordinates: it sits at 44.8114, -88.4493 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Bonduel, WI (5 mi); Shawano, WI (7 mi); Gillett, WI (9 mi); Pulaski, WI (14 mi); Oconto Falls, WI (16 mi) (US Census Bureau).
- Nearest smaller communities: Suring, WI (14 mi); Embarrass, WI (16 mi); Nichols, WI (17 mi), each a US Census place.
What a personal loan costs in Cecil
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Wisconsin lending rules that apply in Cecil
The table lists the Wisconsin rules that apply to a loan made in Cecil, each with the regulator that published it.
| 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 Cecil
Before you share your details with a lender in Cecil:
- 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.