Lake Delton at a glance
- Population: the Census estimates 3,629 residents, ranking 186th of 605 places in Wisconsin (Vintage 2023).
- 2020 Census base: 3,508 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 3.4% more residents than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 186th of 605 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 69% of the places in Wisconsin (US Census Bureau).
- Coordinates: 43.5920 latitude, -89.7831 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Baraboo, WI (9 mi); Reedsburg, WI (11 mi); Portage, WI (16 mi); Mauston, WI (21 mi); Prairie du Sac, WI (21 mi) (US Census Bureau populations).
- Nearest smaller towns: Wisconsin Dells, WI (3 mi); West Baraboo, WI (8 mi); Lyndon Station, WI (10 mi) (US Census Bureau).
What a personal loan costs in Lake Delton
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Lake Delton
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 |
|---|---|---|
| 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 Lake Delton
The steps below are worth completing first when you borrow in Lake Delton:
- 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.