Marshfield at a glance
- Population: 18,736 (US Census Bureau, Vintage 2023 subcounty estimate), the 44th-largest of 605 places in Wisconsin.
- 2020 Census base: 18,933 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 1.0% lower than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 44th in population of 605 places (US Census Bureau).
- Size percentile: roughly 93% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: 44.6633 latitude, -90.1717 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Stevens Point, WI (32 mi); Wausau, WI (33 mi); Eau Claire, WI (66 mi); Onalaska, WI (74 mi); La Crosse, WI (78 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Hewitt, WI (4 mi); Auburndale, WI (8 mi); Spencer, WI (9 mi) (US Census Bureau).
What a personal loan costs in Marshfield
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Marshfield
The sourced rows below are the rules a licensed lender must follow when lending in Wisconsin, and therefore in Marshfield.
| 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 Marshfield
Run through this list before signing anything in Marshfield:
- 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.