Rosholt at a glance
- Population: a Census-estimated 468, placing it 491st among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 478 (US Census Bureau).
- 2020 to 2023 change: down about 2.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 491st-largest of 605 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 19% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: 44.6302 / -89.3052, per the US Census Bureau Gazetteer.
- Nearest larger cities: Iola, WI (12 mi); Amherst, WI (13 mi); Stevens Point, WI (14 mi); Park Ridge, WI (14 mi); Tigerton, WI (15 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Nelsonville, WI (10 mi); Elderon, WI (11 mi); Amherst Junction, WI (11 mi) — US Census Bureau populations.
What a personal loan costs in Rosholt
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Wisconsin lending rules that apply in Rosholt
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Rosholt.
| 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 Rosholt
The order below is a sensible way to approach a loan in Rosholt:
- 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.