Menomonee Falls at a glance
- Population: 39,700 residents, the 19th-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- 2020 Census base: 38,523 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up about 3.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: the 19th-largest of 605 (US Census Bureau, 2023 estimate).
- Size percentile: larger than about 97% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: 43.1594, -88.1215 (US Census Bureau Gazetteer).
- Nearest larger cities: Brookfield, WI (7 mi); Wauwatosa, WI (8 mi); Milwaukee, WI (10 mi); West Allis, WI (12 mi); Waukesha, WI (12 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Lannon, WI (2 mi); Butler, WI (4 mi); Germantown, WI (5 mi) (US Census Bureau).
What a personal loan costs in Menomonee Falls
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Wisconsin lending rules that apply in Menomonee Falls
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Menomonee Falls
These steps are the ones that most affect the offer you receive in Menomonee Falls:
- 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.