Dallas at a glance
- Population: roughly 353 people; 526th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 358 residents here (US Census Bureau).
- 2020 to 2023 change: about 1.4% below the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 526th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 13% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 45.2582, -91.8146 in the US Census Bureau Gazetteer.
- Nearest larger cities: Prairie Farm, WI (8 mi); Chetek, WI (9 mi); Barron, WI (10 mi); Cameron, WI (11 mi); New Auburn, WI (13 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Ridgeland, WI (6 mi); Wheeler, WI (15 mi); Downing, WI (21 mi), per US Census Bureau estimates.
What a personal loan costs in Dallas
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Wisconsin lending rules that apply in Dallas
Read the table as the compliance picture for a lender serving Dallas: label, sourced figure, publisher and date.
| 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 Dallas
Here is a short checklist for comparing personal loans in Dallas:
- 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.