Payday Loans in De Soto, Wisconsin

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

Company nameAddressZip codePhone number
Blackhawk Community Credit Union 1525 US-51, Stoughton, WI 53589 +1 (608) 755 - 6065
Farm Credit Services 204 Fairlane Dr, Viroqua, WI 54665 +1 (608) 637 - 2188
Unity Bank 103 E Lincoln Ave, Fall Creek, WI 54742 +1 (715) 877 - 2311
Xpress Cash 5920 N 39th Ave, Wausau, WI 54401
Town Bank 13150 Watertown Plank Rd, Elm Grove, WI 53122 +1 (262) 789 - 8696
Schuster-Campman Abstract Co 212 E 5th St, Neillsville, WI 54456 +1 (715) 743 - 3366
Chec King Payday Advance 122 S Marquette Rd, Prairie du Chien, WI 53821 +1 (608) 326 - 0508
Fox Valley Savings Bank 51 E 1st St, Fond du Lac, WI 54935 +1 (920) 921 - 7220
Advance America 522 Gateway Ave D, Mauston, WI 53948 +1 (608) 847 - 6441
Bank First 111 Jefferson St, Waupaca, WI 54981 +1 (715) 258 - 5511

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in De Soto, WI, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Wausau, WI, 24-Hour Loan in West Bend, WI, Payday Loans in Appleton, WI, Payday Loans in Beloit, WI, Payday Loan Without a Credit Check in Brookfield, WI, No Credit Check Loans in Eau Claire, WI, Online Loans in Fond du Lac, WI and Payday Loans in Franklin, 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 De Soto, WI.

Beautiful sights of De Soto, WI

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

54624

Are Payday Loans Legal In De Soto, 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

De Soto, WI payday loan calculator

Understanding Payday Loans in De Soto, Wisconsin

When we find ourselves in a financial bind, it can be challenging to know where to turn. Perhaps bills are piling up, or unexpected expenses have thrown us off track. Whatever the case may be, payday loans can provide a temporary solution to help you get back on your feet.

Before you commit to a payday loan, it is essential to know the laws and regulations in your state. In Wisconsin, payday loans are legal, but there are restrictions on the amount of money you can borrow and the length of time you have to repay your loan. De Soto is a small city in Vernon County, Wisconsin, and payday loans are available for those who qualify.

The Basics of Payday Loans

A payday loan is a short-term loan that typically must be repaid within two to four weeks. The loan amount is usually a few hundred dollars and is designed to help cover unexpected expenses or bridge the gap until your next paycheck.

To qualify for a payday loan, you typically need to have a steady source of income and a valid checking account. You will also need to provide identification and proof of residency.

Payday Loans in De Soto, Wisconsin: What You Need to Know

If you are considering a payday loan in De Soto, there are a few things you should be aware of. The maximum loan amount allowed in Wisconsin is $1,500 or 35% of your gross monthly income, whichever is less. Additionally, the loan term cannot exceed 90 days, and there is a limit of one loan at a time.

The interest rate on payday loans in Wisconsin is also regulated. For loans under $2,000, the annual interest rate is capped at 542%. For loans over $2,000, the rate is 18%. Keep in mind that while these rates may seem high, they are designed to account for the short-term nature of the loans.

Benefits and Risks of Payday Loans

Payday loans can be advantageous in certain situations. They are easy to obtain, require minimal documentation, and provide quick access to cash when you are in a bind. Additionally, payday loans do not require collateral, making them an option for individuals who do not have assets to put up as collateral for a traditional loan.

However, it is important to note that payday loans can also come with risks. The high-interest rates can make it difficult to pay the loan off quickly, leading to a cycle of debt. Additionally, the short-term nature of the loan means that you may need to take out another loan soon after paying off the first one, leading to a cycle of borrowing.

Interesting Facts about Payday Loans in De Soto, Wisconsin

  • In 2019, Wisconsin lawmakers passed legislation that would have allowed payday lenders to make loans of up to $1,000, with repayment terms of up to six months. However, the bill failed to pass in the Senate and did not become law.
  • In 2018, the average payday loan in Wisconsin was $369, and the average term was 22 days.
  • Wisconsin residents can only take out payday loans from licensed lenders, a measure put in place to protect borrowers from unscrupulous lenders.

Apply Now: Get Connected with Payday Lenders in De Soto

If you are in need of a payday loan in De Soto, TheGuaranteedLoans can help. We are a connector service, helping borrowers like you connect with potential lenders. Our process is easy and straightforward.

To get started, fill out our online application with your personal and financial information. We will then match you with potential lenders who may be able to help you get the cash you need. Keep in mind that we are not a direct lender, and we do not make lending decisions. Instead, we facilitate the connection between borrowers and lenders, making the process as easy and stress-free as possible.

When considering a payday loan in De Soto or anywhere else, it is important to do your research and make an informed decision. The benefits and risks need to be carefully weighed, and you must ensure that you can afford to repay the loan. If you have any questions or concerns, TheGuaranteedLoans is here to help. Contact us today to get started.

F.A.Q.

Is there a limit on the number of payday loans I can have at once in De Soto, Wisconsin?

Yes, Wisconsin law limits the number of payday loans that a borrower can have at one time to two. This means that a borrower cannot take out more than two payday loans at once, regardless of their income or creditworthiness.

Can I cancel a payday loan in De Soto, Wisconsin?

Yes, borrowers have the right to cancel a payday loan within 24 hours of signing the loan agreement. To cancel the loan, the borrower must notify the lender in writing and return any funds that have already been disbursed. The lender is required to refund any fees or charges that have been collected within 10 days of receiving the cancellation notice.