Yuba at a glance
- Population: about 51, 605th by size in Wisconsin of 605 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 52 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.9% lower than the 2020 Census base (US Census Bureau).
- Rank among Wisconsin places: 605th-largest of 605 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 0% of Wisconsin's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 43.5365, -90.4268.
- Nearest larger cities: Hillsboro, WI (9 mi); La Farge, WI (11 mi); Cazenovia, WI (11 mi); Viola, WI (13 mi); Wonewoc, WI (13 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Clayton, IA (57 mi); Osterdock, IA (67 mi); Elkport, IA (70 mi) (US Census Bureau estimates).
What a personal loan costs in Yuba
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Wisconsin lending rules that apply in Yuba
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Yuba
Before you share your details with a lender in Yuba:
- 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.