Fox Lake at a glance
- Population: a Census-estimated 1,603, placing it 287th among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,601 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 0.1% more residents than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 287th out of 605 Census places (US Census Bureau).
- Size percentile: roughly 53% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 43.5616, -88.9148 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Randolph, WI (5 mi); Beaver Dam, WI (8 mi); Waupun, WI (10 mi); Fall River, WI (14 mi); Juneau, WI (15 mi) (US Census Bureau).
- Smaller places close by: Friesland, WI (8 mi); Cambria, WI (10 mi); Markesan, WI (11 mi) (US Census Bureau).
What a personal loan costs in Fox Lake
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Wisconsin lending rules that apply in Fox Lake
The Wisconsin rate caps and licensing rules that reach Fox Lake are listed below, each with its source and retrieval 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 Fox Lake
The steps below are worth completing first when you borrow in Fox Lake:
- 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.