Shiocton at a glance
- Population: about 939 residents, ranking 374th of 605 Census places in Wisconsin (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 942 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 0.3% lower than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 374th in population of 605 places (US Census Bureau).
- Size percentile: about 38% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: 44.4450 latitude, -88.5764 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Black Creek, WI (7 mi); Hortonville, WI (8 mi); New London, WI (9 mi); Greenville, WI (11 mi); Seymour, WI (13 mi); US Census Bureau population estimates.
- Nearest smaller communities: Bear Creek, WI (10 mi); Nichols, WI (10 mi); Embarrass, WI (17 mi), each a US Census place.
What a personal loan costs in Shiocton
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.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Wisconsin lending rules that apply in Shiocton
The sourced rows below are the rules a licensed lender must follow when lending in Wisconsin, and therefore in Shiocton.
| 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 Shiocton
Before you commit to a personal loan in Shiocton, 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.