Wisconsin Payday Loans

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Wisconsin payday loans are offered through internet or land-based offices. If you’re currently considering getting a cash advance loan, it’s best to first be aware of the different laws that you’ll be dealing with. Paydayloansusa.biz offers you the opportunity to browse through a comprehensive list of Wisconsin payday loan policies, providing you everything you need for the transaction. The information provided here are accurate and up to date as possible. For information about other states, feel free to browse  Loans by State.

Wisconsin Payday Loan Process

In just a few days, borrowers can obtain the cash they want from Wisconsin lenders. The process is easy enough and involves passing a filled in application together with the required documents. Some of the conditions that must be met for the transaction include:

  • Must be 18 years of age
  • Must be currently employed
  • Must meet minimum salary requirements
  • Must own a checking or savings account

Bad debt loans are also entertained together with individuals borrowing on the strength of their welfare check. Some lenders also have no qualms transacting with retired seniors. The maximum loan is dependent on the person’s monthly check.

Wisconsin Payday Loan Laws and Regulations

Lenders operating within Wisconsin are required to offer their loans with the following restrictions:

  • Maximum Loan Amount: 35% Gross Monthly Income or $1,500 with Fees, whichever is lesser
  • Loan Term: 90 days or Less
  • Finance Charge for a $100 Loan in 14 Days: No Limit
  • APR for a $100 Loan in 14 Days: No Limit
  • Maximum Finance Rate and Fees: No Limit
  • Maximum Number of Outstanding Loans at a Time: No Limit
  • Rollovers: One renewal
  • Cooling-off Period: 24-hours after payment of renewed loans
  • Repayment Plan:  4 equal installments, no additional cost. One payment plan allowed every 12 months
  • Collection Fees: $15 NSF fee

Some aspects of the contract are left to the lender’s discretion. Borrowers must take the time to read the documents and question anything they feel vague.

Wisconsin Consumer Protection

For problems, questions or to clear up misunderstandings, Wisconsin borrowers can refer to the Wisconsin Department of Financial Institutions. The regulatory assembly can be contacted through a number of means including via internet.

  • Address: Wisconsin Consumer Act Section, P.O. Box 8041 Madison WI 53708
  • Phone: (608) 261-9555    
  • Fax: (608) 261-7200
  • Look For: Paul Egide, Consumer Act Director
  • Web: https://www.wdfi.org/

Consumer protection should also involve protecting yourself against seedy lenders through proper information. Borrowers are encouraged to research about Wisconsin short-term laws to ensure that they are getting the right rates, terms and fees for their loan.

Wisconsin Payday Loan Alternatives

There are multiple alternatives for Wisconsin payday loans, depending on where the borrower is most comfortable. Most consumers prefer borrowings with zero interest rates which is why they go to friends and family for help. Others prefer a cash advance on their salary directly from the employer while some simply sell one of their assets. Pawnshops are also a good idea and for purchasing needs, a credit card may provide sufficient payment. When all else fails, a bank loan might be more feasible with larger loan amounts.

Payday Loans cities in Wisconsin:
Adams Albany Antigo
Appleton Arcadia Argyle
Bancroft Baraboo Barron
Beaver Dam Beloit Berlin
Bloomer Boscobel Brillion
Brookfield Brown Deer Burlington
Butler Cassville Cedarburg
Chilton Chippewa Falls Clintonville
Cochrane Columbus Cornell
Crandon Crivitz Cuba City
Darlington De Forest De Pere
Delavan Dodgeville Dousman
Eau Claire Ellsworth Elroy
Fond Du Lac Fort Atkinson Fountain City
Franklin Germantown Grafton
Green Bay Hales Corners Hancock
Hayward Hortonville Hubertus
Hudson Iron River Janesville
Kenosha Kiel Kimberly
La Crosse Ladysmith Lake Geneva
Lake Mills Lancaster Livingston
Madison Manitowoc Marinette
Marshfield Mauston Menasha
Menomonee Falls Menomonie Mequon
Middleton Milton Milwaukee
Monroe Mosinee Mount Horeb
Neenah New Berlin New Glarus
New Holstein New Lisbon New Richmond
Oak Creek Oconomowoc Omro
Onalaska Oregon Oshkosh
Peshtigo Phillips Platteville
Plover Port Washington Portage
Prairie Du Chien Racine Rhinelander
Rice Lake Richland Center Richland Ctr
Saint Croix Falls Saint Francis Sauk City
Shawano Sheboygan Slinger
Sparta Spooner Stanley
Stevens Point Stoughton Sturgeon Bay
Sullivan Sun Prairie Superior
Thiensville Tomah Union Grove
Verona Viroqua Waterford
Waterloo Watertown Waukesha
Waunakee Waupaca Wausau
Wautoma West Bend West Salem
Whitewater Winneconne Wisconsin Rapids

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