Windsor at a glance
- Population: roughly 9,456 people; 101st of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 8,761 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 7.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Wisconsin places: 101st in population of 605 places (US Census Bureau).
- Size percentile: it exceeds roughly 83% of Wisconsin's Census places by population (US Census Bureau).
- Coordinates: 43.2457 latitude, -89.2815 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: DeForest, WI (3 mi); Sun Prairie, WI (5 mi); Waunakee, WI (9 mi); Madison, WI (13 mi); Middleton, WI (15 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Arlington, WI (8 mi); Maple Bluff, WI (10 mi); Dane, WI (11 mi) (US Census Bureau).
What a personal loan costs in Windsor
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
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.
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 Windsor
Each row below is a Wisconsin rule with its publisher and the date it was retrieved.
| 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 Windsor
Here is a short checklist for comparing personal loans in Windsor:
- 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.