Superior at a glance
- Population: about 26,423, 30th by size in Wisconsin of 605 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 26,750 residents here (US Census Bureau).
- 2020 to 2023 change: down about 1.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 30th largest of 605 (US Census Bureau).
- Size percentile: about 95% of places in Wisconsin are smaller (US Census Bureau).
- Coordinates: 46.6921, -92.0804 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Duluth, MN (6 mi); Andover, MN (116 mi); Elk River, MN (118 mi); Blaine, MN (118 mi); Ramsey, MN (119 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Superior, WI (3 mi); Oliver, WI (6 mi); Proctor, MN (8 mi) (US Census Bureau).
What a personal loan costs in Superior
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.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Wisconsin lending rules that apply in Superior
The table lists the Wisconsin rules that apply to a loan made in Superior, 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 Superior
The order below is a sensible way to approach a loan in Superior:
- 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.