Personal loans in Haugen, WI

With roughly 258 residents, Haugen is a small community, and the lending rules its borrowers live under are written in Wisconsin, not by the city. Use the calculator on this page to price an amount and term before you commit in Haugen.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Roughly 258 residents live in Haugen, the 558th-largest community in Wisconsin. Consumer lending that reaches Haugen's 258 residents is governed by Wisconsin statute; no city ordinance changes it. From the 2020 Census base to the 2023 estimate, the population declined by about 1.9%. The nearest larger metro is Rice Lake, WI about 9 miles away.

Haugen: population, trend and location

Most of what governs a Haugen loan is written in Wisconsin law rather than in the city; the sourced notes below make that split concrete.

Which Wisconsin laws govern a loan in Haugen

Every row below records a Wisconsin rule, its publisher and its retrieval date — the same rules a Haugen lender must follow.

RuleDetailSource
State lending regulatorWisconsin 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 statusLegal 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

Where Haugen sits in Wisconsin

Against Wisconsin's other places, Haugen accounts for about 0.0% of the state's population and ranks 558th of 605 by size. Its 2020-to-2023 change ranks 499th of 605 Wisconsin places, putting it near the 18th percentile for growth. By density, at about 512 people per square mile, it ranks 419th in Wisconsin. The population moved by about 5 people between 2020 and 2023, a 1.9% shift.

Haugen on the map

Haugen covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 512 residents per square mile. The largest place in Wisconsin, Milwaukee, lies about 258 miles away. A 50-mile radius around Haugen takes in 44 places that are larger. The 100-mile radius contains 288 larger places.

What is available to Haugen borrowers

Haugen is a moderately settled community of about 258 people, with 44 larger places inside a 50-mile radius. Lenders licensed in Wisconsin reach Haugen's 258 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Rice Lake, WI about 9 miles away.

How a Haugen personal loan is priced

Haugen is a small community of about 258 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Haugen's 258 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Haugen loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Haugen if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Haugen is the same as anywhere in Wisconsin.
What loan size can I expect in Haugen?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Haugen?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Haugen cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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