Prairie du Sac at a glance
- Population: the Census estimates 4,370 residents, ranking 164th of 605 places in Wisconsin (Vintage 2023).
- 2020 Census base: 4,422 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a decline of roughly 1.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: the 164th-largest of 605 (US Census Bureau, 2023 estimate).
- Size percentile: about 73% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: latitude 43.2939, longitude -89.7352 (US Census Bureau Gazetteer).
- Nearest larger cities: Baraboo, WI (12 mi); Waunakee, WI (16 mi); Middleton, WI (17 mi); Mount Horeb, WI (20 mi); DeForest, WI (20 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Sauk City, WI (1 mi); Merrimac, WI (8 mi); Mazomanie, WI (9 mi) (US Census Bureau).
What a personal loan costs in Prairie du Sac
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Wisconsin lending rules that apply in Prairie du Sac
The table lists the Wisconsin rules that apply to a loan made in Prairie du Sac, each with the regulator that published it.
| 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 Prairie du Sac
Before you commit to a personal loan in Prairie du Sac, 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.