Manitowoc at a glance
- Population: 34,568, the 25th-largest community in Wisconsin out of 605 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 34,637 residents here (US Census Bureau).
- 2020 to 2023 change: about 0.2% below the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 25th out of 605 Census places (US Census Bureau).
- Size percentile: about 96% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 44.0980, -87.6789 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Sheboygan, WI (25 mi); Green Bay, WI (33 mi); Appleton, WI (37 mi); Fond du Lac, WI (44 mi); Oshkosh, WI (44 mi) (US Census Bureau).
- Nearest smaller communities: Two Rivers, WI (6 mi); Francis Creek, WI (7 mi); Whitelaw, WI (8 mi), each a US Census place.
What a personal loan costs in Manitowoc
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Wisconsin lending rules that apply in Manitowoc
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Manitowoc.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Manitowoc
Run through this list before signing anything in Manitowoc:
- 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.