Cuba City at a glance
- Population: 2,126 — 257th in Wisconsin, which has 605 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,133 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down roughly 0.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Wisconsin places: 257th out of 605 Census places (US Census Bureau).
- Size percentile: about 58% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: 42.6036, -90.4318 (US Census Bureau Gazetteer).
- Nearest larger cities: Platteville, WI (9 mi); Galena, IL (13 mi); Dubuque, IA (16 mi); Darlington, WI (17 mi); Asbury, IA (19 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Benton, WI (3 mi); Hazel Green, WI (5 mi); Dickeyville, WI (8 mi) (Census populations).
What a personal loan costs in Cuba City
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Cuba City
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Cuba City
The order below is a sensible way to approach a loan in Cuba City:
- 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.