Orfordville at a glance
- Population: 1,481 (US Census Bureau, Vintage 2023 subcounty estimate), the 304th-largest of 605 places in Wisconsin.
- 2020 Census base: 1,469 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: an increase of about 0.8% since the 2020 count (US Census Bureau).
- Rank among Wisconsin places: 304th out of 605 Census places (US Census Bureau).
- Size percentile: larger than about 50% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: latitude 42.6294, longitude -89.2573 (US Census Bureau Gazetteer).
- Nearest larger cities: Brodhead, WI (6 mi); Evansville, WI (10 mi); Janesville, WI (13 mi); Beloit, WI (14 mi); South Beloit, IL (15 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Footville, WI (4 mi); Albany, WI (11 mi); Durand, IL (14 mi) — US Census Bureau populations.
What a personal loan costs in Orfordville
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Wisconsin lending rules that apply in Orfordville
The table lists the Wisconsin rules that apply to a loan made in Orfordville, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Orfordville
These steps are the ones that most affect the offer you receive in Orfordville:
- 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.