Star Prairie at a glance
- Population: 662 residents, the 437th-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- 2020 Census base: 675 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 1.9% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Wisconsin places: 437th largest of 605 (US Census Bureau).
- Size percentile: about 28% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: 45.1975, -92.5321 (US Census Bureau Gazetteer).
- Nearest larger cities: New Richmond, WI (5 mi); Somerset, WI (8 mi); Amery, WI (11 mi); Osceola, WI (12 mi); Dresser, WI (12 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Deer Park, WI (7 mi); Marine on St. Croix, MN (12 mi); Center City, MN (20 mi) (US Census Bureau estimates).
What a personal loan costs in Star Prairie
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Wisconsin lending rules that apply in Star Prairie
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Star Prairie.
| 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 Star Prairie
Before you commit to a personal loan in Star Prairie, 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.