Payday Loans in Cleveland, Wisconsin

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

Company nameAddressZip codePhone number
Stevens Point Auto Center 3733 Stanley St, Stevens Point, WI 54481 +1 (715) 344 - 4100
U.S. Bank Branch 1146 County Rd D, Nekoosa, WI 54457 +1 (715) 325 - 5053
Advance America 8066 N 76th St, Milwaukee, WI 53223 +1 (414) 371 - 1427
World Finance 41 Liberty Ave, Hartford, WI 53027 +1 (262) 670 - 5912
Heights Finance Corporation 2701 N Clairemont Ave, Eau Claire, WI 54703 +1 (715) 858 - 9375
Wisconsin Auto Title Loans, Inc. 1751 Rose St, La Crosse, WI 54603 +1 (608) 796 - 2062
Associated Bank 658 S Grand Ave, Sun Prairie, WI 53590 +1 (608) 834 - 0301
United States Postal Service 120 W Broadway Ave, Medford, WI 54451 +1 (800) 275 - 8777
Advance Paychecks 1309 Wisconsin Ave, Grafton, WI 53024 +1 (262) 377 - 2274
Security Finance 880 US-12 #3, Baraboo, WI 53913 +1 (608) 355 - 0154

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cleveland, WI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Brookfield, WI, No Credit Check Loans in Eau Claire, WI, Online Loans in Fond du Lac, WI, Quick Loan in Franklin, WI, Payday Loans in Green Bay, WI, Same Day Loans in Janesville, WI, Payday Loan Without a Credit Check in Kenosha, WI and Emergency Loan in La Crosse, 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 Cleveland, WI.

Beautiful sights of Cleveland, WI

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

53015

Are Payday Loans Legal In Cleveland, 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

Cleveland, WI payday loan calculator

Payday Loans in Cleveland, Wisconsin: What You Need to Know

Payday loans are short-term, high-interest loans designed to help people bridge the gap between paychecks. In Wisconsin, payday loans are legal, but they are regulated by state law. If you’re in Cleveland, WI, and considering a payday loan, here’s what you need to know.

How Do Payday Loans Work?

Payday loans are designed to be a quick and easy solution to short-term financial needs. Typically, they are structured to be repaid in full on your next payday. To qualify, all you need is a valid ID, proof of income, and a checking account. You’ll write a post-dated check for the amount borrowed plus fees, and the lender will hold on to that check until the loan is due.

Payday loans are marketed as a way to borrow money for emergencies, but they often come with very high interest rates and fees. Because of this, it’s important to use them only as a last resort and to repay them on time to avoid further fees and potential damage to your credit.

What Are the Laws Governing Payday Loans in Cleveland, WI?

Wisconsin state law regulates payday loans to protect consumers from predatory lending practices. Here’s what you need to know:

  • The maximum loan amount is $1,500 or 35% of your gross monthly income, whichever is less.
  • The maximum loan term is 90 days.
  • The maximum finance charge is $15.50 per $100 borrowed.
  • You can only have one outstanding payday loan at a time.

Additionally, lenders are required to disclose all terms and fees upfront, and they cannot charge more than one finance charge per payday loan.

Why Might You Consider a Payday Loan?

While payday loans might not be the best option for everyone, there are some situations where they can be helpful. Here are a few reasons you might consider getting a payday loan:

  • You have an unexpected medical expense.
  • Your car breaks down and needs expensive repairs.
  • You have an urgent bill that needs to be paid.
  • You need to pay for a necessary repair or replacement of an important appliance.

Again, it’s important to remember that payday loans should be a last resort option. Make sure you’ve exhausted all other options, including negotiating a payment plan with your creditor, before turning to payday loans.

Important Facts About Payday Loans in Cleveland, Wisconsin

Here are some facts and statistics about payday loans in Wisconsin that you should be aware of:

  • In 2019, Wisconsin residents took out 1.6 million payday loans, totaling $656 million.
  • The average interest rate on payday loans in Wisconsin is 574%.
  • The average payday loan amount in Wisconsin is $350.
  • The average borrower in Wisconsin takes out 10 payday loans per year.

Apply Now

Need a payday loan in Cleveland, WI? TheGuaranteedLoans can help connect you with a lender. Apply online today and get the cash you need to cover unexpected expenses. Please keep in mind that we are not a direct lender, but we work with a network of lenders who can provide you with the funds you need. We make the process fast and easy, so you can get the money you need when you need it.

Remember to use payday loans wisely and always repay them on time to avoid additional fees and potential harm to your credit score.

F.A.Q.

Can payday loan providers require me to have a bank account to apply for a loan in Cleveland, Wisconsin?

Yes, payday loan providers in Cleveland, Wisconsin may require you to have a bank account to apply for a loan. This is because they typically deposit the loan proceeds into your bank account and withdraw the loan payments from your account.

Can payday loan providers require me to provide collateral for a loan in Cleveland, Wisconsin?

No, payday loan providers in Cleveland, Wisconsin cannot require you to provide collateral for a loan. Payday loans are unsecured loans, which means that they do not require any collateral.