Personal loans in Prairie du Sac, WI
Personal loans in Prairie du Sac are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 4,370 population.
To lend to Prairie du Sac's 4,370 residents, a company must hold a Wisconsin licence, and each sourced row below names the regulator behind it. With an estimated 4,370 residents, Prairie du Sac is the 164th-largest of 605 places in Wisconsin. Verify the lender's Wisconsin licence against the regulator named below before borrowing in Prairie du Sac. From the 2020 Census base to the 2023 estimate, the population declined by about 1.2%. The closest larger city is Baraboo, WI about 12 miles away.
Prairie du Sac: the sourced local profile
Only a few things actually differ by place — population, area, location, and the Wisconsin rules a lender must follow — and they are below.
- Population: about 4,370, ranked 164th of 605 places in Wisconsin (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 1.2% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 52 fewer people than the 2020 Census counted.
- Size percentile: about 73% of Wisconsin communities are smaller than Prairie du Sac (4,370 residents).
- Population density: 2,193 people per square mile on 2.0 square miles of land.
- By land area: Prairie du Sac ranks 322nd among Wisconsin's 605 places, at 2.0 sq mi.
- Water area rank: Prairie du Sac ranks 176th among Wisconsin's 605 places, with 0.12 sq mi.
- Within Wisconsin: about 0.1% of the state's population lives in Prairie du Sac.
- Nationally: Prairie du Sac is the 5,221st-largest of 19,457 Census places in the dataset.
- Growth in Wisconsin: Prairie du Sac stands 415th by percentage change from 2020 to 2023, among 605 places.
- Versus Wisconsin: the state average change is +0.4%, while Prairie du Sac moved 1.2%.
- Density rank: Prairie du Sac places 49th among Wisconsin's places by people per square mile.
- Density vs Wisconsin: Prairie du Sac's 2,193 people per square mile compare with a state median of 800.
- Location: it lies at 43.2939, -89.7352 in the Census Gazetteer.
- Nearest larger cities: Baraboo (12 mi); Waunakee (16 mi); Middleton (17 mi); Mount Horeb (20 mi); DeForest (20 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller places: Sauk City (1 mi); Merrimac (8 mi); Mazomanie (9 mi).
- Within a 50-mile radius: 89 smaller Census places.
- Within 100 miles: 141 places are larger than Prairie du Sac.
Where Prairie du Sac sits in Wisconsin
Among Wisconsin's 605 places, Prairie du Sac sits at 164th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Prairie du Sac stands 415th among Wisconsin's 605 places — roughly the 31th percentile. Its roughly 2,193 residents per square mile place it 49th among Wisconsin's places. The population moved by about 52 people between 2020 and 2023, a 1.2% shift.
A practical checklist for Prairie du Sac borrowers
For Prairie du Sac's roughly 4,370 residents, these are the steps that most influence the offer:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the Wisconsin licence with the regulator named above before committing.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
None of these steps is Prairie du Sac-specific: the same Wisconsin licensing and disclosure rules reach all 4,370 residents.
Which Wisconsin laws govern a loan in Prairie du Sac
Read the table as a lender's compliance picture for Prairie du Sac: the rule, the sourced figure, the publisher and the 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 |
Lender access in Prairie du Sac
Prairie du Sac is a fairly dense community of about 4,370 people, with 25 larger places inside a 50-mile radius. What is available to Prairie du Sac's 4,370 borrowers is set by Wisconsin licensing and your own credit, not by how many branches are nearby. The nearest larger city, Baraboo, WI about 12 miles away.
The geography behind Prairie du Sac
The Census Gazetteer records 2.0 square miles of land and 0.12 square miles of water within Prairie du Sac. That land carries about 2,193 people per square mile. Milwaukee, the largest place in Wisconsin, is about 91 miles from Prairie du Sac. Counting outward 50 miles, 25 larger communities surround Prairie du Sac. The 100-mile radius contains 141 larger places.
Common questions
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Nearby places
- Sauk City, WI — population 3,475
- Mazomanie, WI — population 1,750
- Merrimac, WI — population 518
- Black Earth, WI — population 1,448
- Baraboo, WI — population 12,554
- West Baraboo, WI — population 1,582
- Lodi, WI — population 3,199
- Cross Plains, WI — population 4,052