Williams Bay at a glance
- Population: 2,981 residents, the 214th-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,955 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up about 0.9% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 214th of the state's 605 Census places (US Census Bureau).
- Size percentile: larger than about 65% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: it sits at 42.5788, -88.5457 in the US Census Bureau Gazetteer.
- Nearest larger cities: Delavan, WI (6 mi); Lake Geneva, WI (6 mi); Elkhorn, WI (6 mi); Bloomfield, WI (10 mi); Harvard, IL (11 mi) — straight-line distances, US Census Bureau populations.
- Smaller places close by: Fontana-on-Geneva Lake, WI (3 mi); Walworth, WI (4 mi); Darien, WI (9 mi) (US Census Bureau).
What a personal loan costs in Williams Bay
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Wisconsin lending rules that apply in Williams Bay
Read the table as the compliance picture for a lender serving Williams Bay: 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 Williams Bay
These steps are the ones that most affect the offer you receive in Williams Bay:
- 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.