Payday Loans in Bassett, Wisconsin

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No payday loan companies in Bassett, WI. Consider companies in other cities:

Company nameAddressZip codePhone number
Peoples State Bank 133 N Main St, Patch Grove, WI 53817 +1 (608) 994 - 2136
Nicolet National Bank 315 US-141, Crivitz, WI 54114 +1 (715) 854 - 7400
Walmart Money Center 38020 US-18, Prairie du Chien, WI 53821 +1 (608) 326 - 2408
Walmart Money Center 1520 S Main St, Jefferson, WI 53549 +1 (920) 674 - 2258
Cloverbelt Credit Union 5906 US-51 BUS, Schofield, WI 54476 +1 (715) 359 - 3080
Thrivent Financial - Badger Prairie Financial Associates 957 Liberty Dr Suite 204, Verona, WI 53593 +1 (608) 848 - 5150
Agstar Financial Services 2912 Pioneer Ave, Rice Lake, WI 54868 +1 (715) 234 - 2114
Check `n Go 512 Grand Canyon Dr, Madison, WI 53719 +1 (608) 807 - 2260
Peoples State Bank 101 N Main St, Viroqua, WI 54665 +1 (608) 637 - 3127
Royal Credit Union - Chippewa Falls Downtown 215 Bay St, Chippewa Falls, WI 54729 +1 (800) 341 - 9911

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bassett, WI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Janesville, WI, Payday Loan for Kenosha, WI, Payday Loans in La Crosse, WI, Payday Loan Companies in Madison, WI, Online Loans in Manitowoc, WI, Online Loans in Menomonee Falls, WI, No Credit Check Loans in Milwaukee, WI and Payday Loans in New Berlin, WI. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Bassett, WI.

Are Payday Loans Legal In Bassett, Wisconsin?

Loan Rates and Fees, Laws and Regulations in Wisconsin.

Wisconsin Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)574
Maximum Loan Amount$1,500 (or 35% of the gross monthly income)
Minimum Loan TermNot Specified
Maximum Loan Term90 days
Number of Rollovers Allowed1
Finance Charges2.75%/mo

Bassett, WI payday loan calculator

In Bassett, Wisconsin, payday loans are a commonly used financial tool. These small, short-term loans can be a lifeline for people who need quick access to cash. Whether it’s to cover unexpected expenses, bridge the gap between paychecks, or handle an emergency, payday loans can be a viable option. However, it’s essential to have a full understanding of how payday loans work and the pros and cons of taking them before making a decision.

What are payday loans?

A payday loan is a small, short-term loan that is usually due on the borrower’s next payday. It’s a loan that’s designed to cover unexpected expenses or bridge the gap between paychecks. The borrower typically writes a post-dated check to the lender for the loan amount plus fees and interest charges. The lender then gives the borrower cash or deposits the funds into their account.

Payday loans in Bassett, Wisconsin are legal, and the Wisconsin Department of Financial Institutions regulates them. The state sets several rules and regulations to protect consumers and prevent predatory lending practices.

The payday loan process in Bassett, Wisconsin

The process of getting a payday loan in Bassett, Wisconsin is straightforward. To begin, the borrower fills out an application form and provides the required paperwork, such as proof of income and a valid ID. The lender then verifies the borrower’s information and conducts a credit check, and makes a decision on whether to approve or deny the loan request.

If approved, the borrower signs a loan agreement that specifies the loan amount, fees, and due date. The lender then gives the borrower the loan amount in cash or deposits it into their account. On the due date, the borrower must repay the loan amount plus fees and interest charges.

Pros of payday loans

  • Quick access to funds: Payday loans are designed to provide quick access to cash when you need it most.
  • No credit check: Unlike traditional loans, payday lenders typically don’t require a credit check, making them an option for people with bad credit or no credit history.
  • No collateral: Payday loans don’t require collateral, such as a car or house, which makes them less risky for borrowers.

Cons of payday loans

  • High interest rates: Payday loans typically come with high-interest rates, which can make them expensive for borrowers. Wisconsin law sets limits on interest rates and fees.
  • Short repayment terms: Payday loans usually have short repayment terms, which can make them difficult to repay on time. This can lead to rollovers, where the borrower extends the loan and incurs additional fees and interest charges.
  • Potential for debt trap: If a borrower can’t repay the loan on time, it can lead to a debt trap, where they take out additional loans to cover the original loan and fees, which can quickly spiral out of control.

Interesting facts and statistics about payday loans in Bassett, Wisconsin

  • In Wisconsin, the average APR of a payday loan is 484%.
  • In 2020, Wisconsin residents took out over 207,000 payday loans, totaling over $81 million in loan volume.
  • The majority of payday loan borrowers in Wisconsin are low-income, with an average annual income of $27,000.

Apply Now

Looking for a payday loan in Bassett, Wisconsin? TheGuaranteedLoans is a connector service that can help you find a lender that meets your needs. Our online application process is simple and secure, and we’ll connect you with potential lenders quickly.

It’s important to remember that TheGuaranteedLoans is not a direct lender; we work with a network of lenders, and we don’t have any control over the loan terms or fees. However, we’ll make sure you understand the terms and conditions of the loan agreement before you sign it.

Apply now and get the funds you need, when you need them.

F.A.Q.

What is a payday loan and how does it work in Bassett, Wisconsin?

A payday loan is a short-term, unsecured loan that is intended to help individuals cover unexpected expenses or urgent bills. in Bassett, Wisconsin, payday lenders are required to be licensed and regulated by the state's Department of Financial Institutions. Borrowers must provide proof of income and a valid checking account in order to apply for a payday loan.

Are payday loans legal in Bassett, Wisconsin?

Yes, payday loans are legal in Bassett, Wisconsin. However, the state has strict regulations in place to protect consumers from predatory lending practices. These regulations include caps on interest rates and fees, limits on the number of loans that can be taken out at once, and requirements for lenders to provide clear disclosure of loan terms and conditions.