Spring Valley at a glance
- Population: roughly 1,423 people; 312th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,406 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 1.2% more residents than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: the 312th-largest of 605 (US Census Bureau, 2023 estimate).
- Size percentile: about 48% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: latitude 44.8523, longitude -92.2429 (US Census Bureau Gazetteer).
- Nearest larger cities: Baldwin, WI (9 mi); Hammond, WI (12 mi); Ellsworth, WI (14 mi); Menomonie, WI (17 mi); Roberts, WI (17 mi); US Census Bureau population estimates.
- Nearest smaller places: Elmwood, WI (7 mi); Woodville, WI (7 mi); Wilson, WI (8 mi) (US Census Bureau estimates).
What a personal loan costs in Spring Valley
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Wisconsin lending rules that apply in Spring Valley
Read the table as the compliance picture for a lender serving Spring Valley: label, sourced figure, publisher and date.
| 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 Spring Valley
A few practical steps will make the process in Spring Valley less costly:
- 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.