Cash Advance and Payday Loans in Wisconsin

Request a Loan Today*
By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Site Use.
*By filling out the form above, you will be routed to’s loan request form.

Wisconsin’s maximum payday loan is $1,500 or 35% of the borrower’s gross monthly income, whichever one is less.

Payday loans in Wisconsin are some of the most expensive in the nation because they are not as strictly regulated as in other states. Still, many Wisconsinites turn to payday loans and other forms of cash advances to cover their month-to-month expenses in times of financial hardship. Payday loans are attractive to many consumers because they offer relatively short terms, quick lender response rates, and can mitigate a variety of costs.

When used responsibly, payday loans can be an easy solution to short-term financial problems. However, it is essential to understand the unique regulations and requirements that accompany a payday loan. The following guide will review all the need-to-know information about payday loans in Wisconsin before you request a loan. To get started with your loan request right now, head on over to our secure loan request form.

Wisconsin Cash Advance and Payday Loan Rules and Regulations

Overhead view of State Capitol building in Wisconsin.

The maximum cash advance loan amount in Wisconsin is up to $1,500 or 35% of your gross monthly income, whichever one is less. Your loan term is up to 90 days, and you may roll over your loan once. Additionally, borrowers can obtain multiple loans at once as long as the total does not exceed $1,500. Lastly, there is a 24-hour cooling off period between loans.

You should be aware that APR, finance charges, and other lender fees may be exceptionally high in Wisconsin. Lenders have few restrictions on APR and interest fees and can charge at their discretion. However, APR is capped at 574%, and finance charges at 2.75% per month. Lenders are also allowed to charge NSF fees, which should not exceed $15 and a $15 dishonored check fee.

In Wisconsin, the lender does not have the right to press criminal charges against a borrower if they cannot repay a loan.

Wisconsin Cash Advance Lenders by City

Wisconsin is home to many cash advance locations. Depending on your city's population, you could have several lender locations within a few miles. With all these options, it's nice to know which lender stands apart from the crowd. To make your search for a lender in your area easier, we've compiled a list of local cash advance lenders in Wisconsin's top five major cities.

  • Milwaukee – Cash Advance Milwaukee, Fastest Cash Advance, Check-Cash Advance, Budgetline Cash Advance

  • Madison – Cash Store, National Cash Advance, Checkmate Cash Advance Center

  • Green Bay – Advance Cash-2-Go, Cash Haus, National Quik Cash, Check' n Go

  • Appleton – Fastest Cash Advance Loans of Appleton, Budgetline Cash Advance

  • Racine – Check-Cash Advance of Wi, National Cash Advance, Advance America Cash Advance

How to Get a Payday Loan in Wisconsin

Even if you don't live in one of these Wisconsin cities, you're likely close to a cash advance lender. Still, it may be a lot more convenient to get a cash advance online. That's where we come in. Just fill out our form, and we'll try to pair you with a cash advance lender that's licensed in your state. From there, you should be able to complete the entire loan process online.

These lenders are in business to provide loans to those who may have problems securing them from other sources. Additionally, they may be an option for borrowers with lower credit scores. Although lenders run a credit check, it may not be the sole determination of whether they may offer you a loan. Often, payday lenders consider other factors that indicate your ability to repay the loan, such as a source of steady income.

Online payday loan companies servicing Wisconsin are relatively easy and fast. Once the initial application form is filled out and sent in, most companies may approve or deny the loan within minutes. Some may require the borrower to speak with a representative for additional information. Once approved, the cash is usually available directly in your bank account in as little as one business day.

Installment Loans in Wisconsin

Installment loans are another type of short-term cash advance that differs slightly from traditional payday loans. Installment loans usually offer more money and a flexible repayment schedule. With installment loans, you can repay your loan over a longer period with equal monthly payments.

Installment Loan Regulations for Wisconsin

Wisconsin's lax payday lending laws also extend to installment loans. Wisconsin law is ambiguous when it comes to installment loans. There is no regulation on APR for installment loans. However, a few guidelines dictate what lenders can charge in fees depending on the loan amount. For loans $3,000 or less and with a term of 36 months and 15 days, finance fees are capped at $9.50 per $100 for the first $1,000 of the loan. After that, lenders can charge $8 per $100 of the remaining loan. However, depending on the lender’s specific terms and conditions, this regulation may not apply to you. Online installment loan lenders often charge their customers interest rates greater than 300%.

Requesting Title Loans in Wisconsin

Wisconsin residents can also consider opting for auto title loans. These are short-term, small-dollar loans that are taken out against a borrower's vehicle title. Loan amounts typically range from $100 to $5,500, or 25% to 50% of the car’s value. These loans can usually be taken out for 30 days.

To request a loan from a title loan company, you may need to go through an application process like regular payday loans. After signing a loan agreement, you may have to hand over the hard copy of your car title to the lender. You may receive the car title back once the loan is repaid. Lenders are legally entitled to repossess the vehicle if the first payment is not made on time.

Like payday loans, title loans are permitted in the state of Wisconsin.

Car Title Loan Laws in Wisconsin

Title lending regulations in Wisconsin are less strict compared to other states across the United States. Residents can obtain up to 50% of the vehicle’s value or a maximum of $25,000. Additionally, there are no rate caps. These loans can usually be taken out for six months.

Title Loan Requirements

Wisconsin consumers can request a title loan at a storefront lender or online. While requirements vary, lenders typically request the following:

  • Clear vehicle title

  • A valid form of identification

  • Proof of income

  • Proof of residency

  • In some cases, lenders may require a valid registration

Final Thoughts

Wisconsinites searching for financing can begin by completing the request form on this page. Since 2015, we have helped consumers search for funding from a reputable network of lenders. We may be able to connect you with a financer who is willing to help.

Recent Blogs

How to Get a Car with No Down Payment: A Strategic Guide

Best Practices
Need a car but don't have the downpayment for it? No worries, check out our guide for strategies to buy a car without a downpayment.

Escaping a Toxic Home Without Financial Resources

Best Practices
Are you struggling to leave a toxic home but don't have the money to do so? There is still hope to live a better life. Keep reading to explore your support options.
Have a Question? Ask an Expert!

Fill out the form below to reach out to one of our financial professionals.