Delafield at a glance
- Population: 7,203, the 131st-largest community in Wisconsin out of 605 (US Census Bureau, Vintage 2023).
- 2020 Census base: 7,185 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 0.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 131st in population of 605 places (US Census Bureau).
- Size percentile: roughly 78% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 43.0674, -88.3888 in the US Census Bureau Gazetteer.
- Nearest larger cities: Hartland, WI (4 mi); Oconomowoc, WI (6 mi); Pewaukee, WI (7 mi); Pewaukee, WI (7 mi); Waukesha, WI (8 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Nashotah, WI (2 mi); Chenequa, WI (4 mi); Oconomowoc Lake, WI (4 mi) (US Census Bureau).
What a personal loan costs in Delafield
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Delafield
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 Delafield
Before you share your details with a lender in Delafield:
- 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.