Marathon City at a glance
- Population: 1,560 (US Census Bureau, Vintage 2023 subcounty estimate), the 297th-largest of 605 places in Wisconsin.
- 2020 Census base: 1,581 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a loss of about 1.3% since the 2020 count (US Census Bureau).
- Rank among Wisconsin places: 297th in population of 605 places (US Census Bureau).
- Size percentile: it is larger than about 51% of the places in Wisconsin (US Census Bureau).
- Coordinates: mapped at 44.9390, -89.8501 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Wausau, WI (10 mi); Schofield, WI (11 mi); Maine, WI (12 mi); Rothschild, WI (12 mi); Mosinee, WI (13 mi) (US Census Bureau).
- Smaller towns nearby: Edgar, WI (6 mi); Fenwood, WI (10 mi); Athens, WI (13 mi) (US Census Bureau).
What a personal loan costs in Marathon City
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Wisconsin lending rules that apply in Marathon City
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 |
|---|---|---|
| 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 Marathon City
These steps are the ones that most affect the offer you receive in Marathon City:
- 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.