Darlington at a glance
- Population: 2,509 residents, the 233rd-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 2,456 (US Census Bureau).
- 2020 to 2023 change: roughly 2.2% higher than at the 2020 Census (US Census Bureau).
- Rank among Wisconsin places: 233rd out of 605 Census places (US Census Bureau).
- Size percentile: ahead of around 61% of Wisconsin places in population terms (US Census Bureau).
- Coordinates: 42.6764, -90.1205 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Mineral Point, WI (13 mi); Platteville, WI (18 mi); Dodgeville, WI (20 mi); Galena, IL (24 mi); Monroe, WI (25 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Gratiot, WI (8 mi); Shullsburg, WI (9 mi); Belmont, WI (12 mi), each a US Census place.
What a personal loan costs in Darlington
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Wisconsin lending rules that apply in Darlington
Read the table as the compliance picture for a lender serving Darlington: label, sourced figure, publisher and date.
| 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 Darlington
The steps below are worth completing first when you borrow in Darlington:
- 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.