Payday Loans in Dale, Wisconsin

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

Company nameAddressZip codePhone number
First National Bank 111 Jefferson St, Waupaca, WI 54981 +1 (715) 258 - 5511
Raymond James Financial Services 431 Geneva National Ave S, Lake Geneva, WI 53147 +1 (262) 686 - 3005
Northern Highland Financial Associates - Thrivent Financial 109 S Division St, Colby, WI 54421 +1 (715) 316 - 0303
Raymond James Financial Services 159 E Court St, Richland Center, WI 53581 +1 (608) 647 - 3745
Peoples State Bank 1011 E Wall St b, Eagle River, WI 54521 +1 (715) 479 - 1794
Utilities Credit Union 1414 W Hamilton Ave, Eau Claire, WI 54702 +1 (715) 737 - 2467
Fox Communities Credit Union 502 S Main St, Black Creek, WI 54106 +1 (920) 984 - 4200
Vantage Financial Partners 4000 Spring St, Racine, WI 53405 +1 (262) 884 - 8890
MoneyGram 2191 Lincoln St, Rhinelander, WI 54501 +1 (715) 369 - 9655
Wynn Law Firm LLC: Wynn Shannon E 415 Broad St, Lake Geneva, WI 53147 +1 (262) 725 - 0175

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dale, WI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Manitowoc, WI, Short-term Loans in Menomonee Falls, WI, Same Day Loans in Milwaukee, WI, Guaranteed Loans in New Berlin, WI, Bad Credit Loans in Oak Creek, WI, Online Loans in Oshkosh, WI, Payday Loan Companies in Racine, WI and Payday Loans in Sheboygan, 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 Dale, WI.

Beautiful sights of Dale, WI

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

54931

Are Payday Loans Legal In Dale, 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

Dale, WI payday loan calculator

Understanding Payday Loans in Dale, Wisconsin

Payday loans can be a useful financial tool for those in need of fast cash. In Dale, Wisconsin, payday loans are legal. However, it is important to fully understand the terms and fees associated with these loans before applying for one.

What is a Payday Loan?

A payday loan, also known as a cash advance or short-term loan, is a small amount of money lent at a high interest rate with the expectation that it will be repaid with the borrower’s next paycheck. Usually, payday loans are provided by direct lenders, and the borrower must provide a post-dated check or bank account information as collateral.

How do Payday Loans Work in Dale, Wisconsin?

In Dale, Wisconsin, payday loans are regulated by state law. Borrowers can apply for loans up to $1,500, and the loan term cannot exceed 90 days. Wisconsin state law also limits the amount of fees that lenders can charge, with an annual percentage rate (APR) cap of 542%. This means that for a $100 payday loan, the maximum fee a lender can charge is $15.50, resulting in a total payment of $115.50.

It is important to note that payday loans can be a short-term solution for financial emergencies, but they are not a long-term financial solution. Before taking out a payday loan, it is important to consider the high interest rates and fees and to ensure that you will be able to repay the loan on time.

Benefits of Payday Loans in Dale, Wisconsin

  • Fast cash: Payday loans in Dale, Wisconsin can be approved and processed quickly, providing borrowers with fast access to the cash they need.
  • No credit check required: Unlike traditional loans, payday lenders do not require a credit check. This can be beneficial for those with poor credit or no credit history.
  • Easy application process: Applying for a payday loan is a simple and convenient process. Many lenders offer online applications, making it easy to apply from the comfort of your own home.

Risks of Payday Loans in Dale, Wisconsin

  • High interest rates and fees: Payday loans come with high interest rates and fees, which can lead to significant financial burdens if not repaid on time.
  • Short repayment terms: Payday loans are typically due on the borrower’s next payday, which can be a short time frame for repayment. If the loan is not repaid on time, the borrower may face additional fees and charges.
  • Potential for debt cycle: If a borrower is unable to repay the loan on time, they may be tempted to roll over the loan or take out another loan to cover the initial loan. This can lead to a cycle of debt that can be difficult to break free from.

How to Apply for a Payday Loan in Dale, Wisconsin

Applying for a payday loan in Dale, Wisconsin is a straightforward process. Many lenders offer online applications, which can be completed from the comfort of your own home. To apply for a payday loan, you will typically need to provide:

  • Personal information, such as your name, address, and phone number
  • Proof of income, such as a recent pay stub or bank statement
  • Bank account information or a post-dated check as collateral
  • Confirmation that you are 18 years or older and a US citizen or permanent resident

Interesting Facts and Statistics about Payday Loans in Dale, Wisconsin

  • According to a study by the Center for Responsible Lending, the average payday loan borrower takes out eight loans per year, with a total of 139 days spent in debt each year.
  • In Wisconsin, 47% of borrowers take out five or more payday loans per year, according to the Wisconsin Department of Financial Institutions.
  • The average APR for a payday loan in Wisconsin is 528%, according to the Wisconsin Department of Financial Institutions.

Apply Now

TheGuaranteedLoans is a connector service that can help you find potential lenders for payday loans in Dale, Wisconsin. To apply for a payday loan, simply visit our website and fill out our online application form. We will then forward your application to potential lenders who may be able to provide you with the cash you need. Remember, payday loans are not a long-term financial solution and should only be used for emergencies.

F.A.Q.

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

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

Can payday loan providers require me to undergo a credit check to apply for a loan in Dale, Wisconsin?

Yes, payday loan providers in Dale, Wisconsin may require you to undergo a credit check to apply for a loan. This is to assess your creditworthiness and determine whether you are eligible for a loan. However, payday loans are typically available to borrowers with poor or no credit, so a credit check is not always necessary.