Lone Rock at a glance
- Population: about 827, 394th by size in Wisconsin of 605 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 838 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population fell about 1.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Wisconsin places: 394th of 605 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 35% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: 43.1857 latitude, -90.2013 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Spring Green, WI (7 mi); Muscoda, WI (12 mi); Highland, WI (13 mi); Richland Center, WI (14 mi); Arena, WI (15 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Avoca, WI (6 mi); Plain, WI (10 mi); Cobb, WI (16 mi) (Census populations).
What a personal loan costs in Lone Rock
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Wisconsin lending rules that apply in Lone Rock
The Wisconsin rate caps and licensing rules that reach Lone Rock are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Lone Rock
The order below is a sensible way to approach a loan in Lone Rock:
- 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.