Hortonville at a glance
- Population: 3,364 — 197th in Wisconsin, which has 605 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 3,028 residents here (US Census Bureau).
- 2020 to 2023 change: up about 11.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 197th of the state's 605 Census places (US Census Bureau).
- Size percentile: roughly 67% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: 44.3358, -88.6366 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Greenville, WI (6 mi); New London, WI (7 mi); Fox Crossing, WI (11 mi); Appleton, WI (13 mi); Menasha, WI (13 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Shiocton, WI (8 mi); Fremont, WI (13 mi); Black Creek, WI (13 mi) — US Census Bureau populations.
What a personal loan costs in Hortonville
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Wisconsin lending rules that apply in Hortonville
The table lists the Wisconsin rules that apply to a loan made in Hortonville, each with the regulator that published it.
| 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 Hortonville
A few practical steps will make the process in Hortonville less costly:
- 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.