West Baraboo at a glance
- Population: a Census-estimated 1,582, placing it 289th among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,625 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down about 2.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 289th by size among 605 communities (US Census Bureau).
- Size percentile: about 52% of places in Wisconsin are smaller (US Census Bureau).
- Coordinates: latitude 43.4782, longitude -89.7741 (US Census Bureau Gazetteer).
- Nearest larger cities: Baraboo, WI (2 mi); Lake Delton, WI (8 mi); Wisconsin Dells, WI (11 mi); Reedsburg, WI (12 mi); Prairie du Sac, WI (13 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: North Freedom, WI (4 mi); Rock Springs, WI (8 mi); Merrimac, WI (10 mi) (US Census Bureau).
What a personal loan costs in West Baraboo
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Wisconsin lending rules that apply in West Baraboo
The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in West Baraboo.
| 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 West Baraboo
Before you share your details with a lender in West Baraboo:
- 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.