Winter at a glance
- Population: 325 residents, the 535th-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 324 (US Census Bureau).
- 2020 to 2023 change: roughly 0.3% higher than at the 2020 Census (US Census Bureau).
- Rank among Wisconsin places: 535th of the state's 605 Census places (US Census Bureau).
- Size percentile: larger than about 12% of the Census places in Wisconsin (US Census Bureau).
- Coordinates: mapped at 45.8221, -91.0130 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Ladysmith, WI (25 mi); Hayward, WI (26 mi); Bruce, WI (28 mi); Butternut, WI (28 mi); Birchwood, WI (28 mi) (US Census Bureau populations).
- Smaller places nearby: Radisson, WI (11 mi); Couderay, WI (14 mi); Exeland, WI (15 mi), per US Census Bureau estimates.
What a personal loan costs in Winter
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Wisconsin lending rules that apply in Winter
Read the table as the compliance picture for a lender serving Winter: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Winter
Here is a short checklist for comparing personal loans in Winter:
- 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.