Hudson at a glance
- Population: a Census-estimated 15,473, placing it 60th among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 14,749 (US Census Bureau).
- 2020 to 2023 change: an increase of about 4.9% since the 2020 count (US Census Bureau).
- Rank among Wisconsin places: 60th by size among 605 communities (US Census Bureau).
- Size percentile: about 90% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: 44.9639, -92.7303 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Stillwater, MN (8 mi); River Falls, WI (9 mi); Woodbury, MN (10 mi); Oakdale, MN (12 mi); Cottage Grove, MN (14 mi) (US Census Bureau).
- Smaller towns nearby: Lakeland Shores, MN (2 mi); Lakeland, MN (2 mi); North Hudson, WI (3 mi) (US Census Bureau).
What a personal loan costs in Hudson
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Wisconsin lending rules that apply in Hudson
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Hudson.
| 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 Hudson
The steps below are worth completing first when you borrow in Hudson:
- 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.