Plum City at a glance
- Population: roughly 583 people; 452nd of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 598 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 2.5% since the 2020 count (US Census Bureau).
- Rank among Wisconsin places: 452nd out of 605 Census places (US Census Bureau).
- Size percentile: roughly 25% of Wisconsin's places have fewer residents (US Census Bureau).
- Coordinates: latitude 44.6356, longitude -92.1917 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Elmwood, WI (10 mi); Durand, WI (11 mi); Pepin, WI (13 mi); Lake City, MN (14 mi); Spring Valley, WI (15 mi) (US Census Bureau).
- Nearest smaller towns: Maiden Rock, WI (7 mi); Stockholm, WI (11 mi); Bay City, WI (13 mi) (US Census Bureau).
What a personal loan costs in Plum City
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Plum City
The table lists the Wisconsin rules that apply to a loan made in Plum City, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Plum City
Before you commit to a personal loan in Plum City, work through these steps:
- 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.