Wonewoc at a glance
- Population: a Census-estimated 738, placing it 413th among Wisconsin's 605 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 760 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 2.9% lower than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 413th of 605 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 32% of places in Wisconsin rank below it by population (US Census Bureau).
- Coordinates: 43.6535 latitude, -90.2242 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Hillsboro, WI (6 mi); Elroy, WI (7 mi); Mauston, WI (12 mi); Reedsburg, WI (14 mi); New Lisbon, WI (16 mi); US Census Bureau population estimates.
- Smaller towns nearby: Union Center, WI (3 mi); La Valle, WI (7 mi); Ironton, WI (9 mi) (US Census Bureau).
What a personal loan costs in Wonewoc
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Wisconsin lending rules that apply in Wonewoc
The table lists the Wisconsin rules that apply to a loan made in Wonewoc, 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 Wonewoc
The steps below are worth completing first when you borrow in Wonewoc:
- 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.