Payday Loans in Chili, Wisconsin

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

Company nameAddressZip codePhone number
Glacier Hills Credit Union 2150 S Main St, West Bend, WI 53095 +1 (262) 338 - 1888
Waukesha State Bank 1230 Capitol Dr, Pewaukee, WI 53072 +1 (262) 695 - 3300
Advance America 522 Gateway Ave D, Mauston, WI 53948 +1 (608) 847 - 6441
Clare Bank 345 W Pine St, Platteville, WI 53818 +1 (608) 348 - 2727
Royal Credit Union - Eau Claire North 419 N Hastings Pl, Eau Claire, WI 54703 +1 (800) 341 - 9911
Walmart Money Center 920 US-12, Baraboo, WI 53913 +1 (608) 356 - 1765
Investors Community Bank Corporate Office 2400 S 44th St, Manitowoc, WI 54220 +1 (920) 686 - 9998
Payday Loan Debt Help 21275 Gumina Rd, Brookfield, WI 53072 +1 (800) 584 - 0536
Advance America 573 S Taylor Dr, Sheboygan, WI 53081 +1 (920) 452 - 5380
Check Into Cash 3906 N 76th St, Milwaukee, WI 53222 +1 (414) 462 - 1100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Chili, WI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Appleton, WI, Payday Loans in Beloit, WI, Emergency Loan in Brookfield, WI, Payday Loans in Eau Claire, WI, Bad Credit Loans in Fond du Lac, WI, Payday Loans in Franklin, WI, Payday Loans in Green Bay, WI and Payday Loans in Janesville, 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 Chili, WI.

Beautiful sights of Chili, WI

Payday Loans Available in Chili, WI By The Following ZIP Codes:

54420

Are Payday Loans Legal In Chili, 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

Chili, WI payday loan calculator

Payday Loans in Chili, Wisconsin: Understanding Your Options

Payday loans are a type of short-term loan that is often used by people who are in need of immediate financial assistance. While these loans can be attractive to those who are facing a financial emergency, it is important to understand the details of payday loans before committing to one.

What Are Payday Loans?

Payday loans are loans that are typically for small amounts of money and are meant to be paid back within a short period of time. These loans are usually taken out by people who need to cover unexpected expenses or bills, such as car repairs or medical bills.

Unlike traditional loans, payday loans do not require collateral and are typically given to borrowers based on their income and credit history. This means that payday loans are often easier to obtain than traditional loans, but they also carry higher interest rates and fees.

Understanding Payday Loan Regulations in Chili, Wisconsin

In Wisconsin, payday loans are legal and regulated by the state. The Wisconsin Department of Financial Institutions is responsible for overseeing payday lenders and ensuring that they comply with state laws.

According to Wisconsin state law, the maximum amount that a borrower can take out in a payday loan is $1,500 or 35% of the borrower’s gross monthly income, whichever is less. The maximum term for a payday loan in Wisconsin is 90 days, and lenders are prohibited from renewing a loan more than once.

Wisconsin state law also mandates that lenders must disclose the full cost of a payday loan, including the interest rate and any fees, before the borrower signs a loan agreement. Lenders are also required to provide borrowers with a written agreement that outlines the terms of the loan.

The Pros and Cons of Payday Loans

  • Pros: Payday loans can be an attractive option for those who need quick access to cash and have limited options for conventional loans. They are easy to obtain and can be used for any purpose.
  • Cons: Payday loans often carry high-interest rates and fees, which can quickly add up and make it difficult for borrowers to pay the loan back on time. In addition, borrowers who are unable to pay back a payday loan on time may face penalties and additional fees.

Interesting Facts and Statistics about Payday Loans in Chili, Wisconsin

  • According to data from the Wisconsin Department of Financial Institutions, the total amount of payday loans taken out by Wisconsin residents was $3.1 billion in 2019.
  • The average interest rate on payday loans in Wisconsin is 589%, which is one of the highest rates in the country.
  • In 2018, the Wisconsin legislature passed a bill that increased the maximum amount that borrowers could take out in a payday loan from $1,000 to $1,500.

Applying for a Payday Loan in Chili, Wisconsin

If you are considering taking out a payday loan in Chili, Wisconsin, TheGuaranteedLoans can help. As a connector service, we work with a network of lenders who can provide you with the cash you need. To apply, simply fill out our online application form and we will connect you with potential lenders who may be able to help.

Remember, payday loans can be a useful tool for those who need emergency cash, but they should be used responsibly and with caution. Always read the terms of your loan agreement carefully and make sure that you can afford to pay back the loan on time.

F.A.Q.

Can I take out a payday loan if I have bad credit?

Yes, payday lenders do not typically require a credit check, so you may be able to obtain a payday loan even if you have bad credit.

How long do I have to repay a payday loan in Chili, Wisconsin?

Payday loans in Chili, Wisconsin must be repaid within a maximum of 90 days.