Payday Loans in Galloway, Wisconsin

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

Company nameAddressZip codePhone number
Payday USA 1808 Tower Ave, Superior, WI 54880 +1 (715) 392 - 2272
Check Advance 208 E Upham Ave, Marshfield, WI 54449 +1 (715) 389 - 8192
Huberty CPAs Plymouth 2829 Eastern Ave, Plymouth, WI 53073 +1 (920) 892 - 2423
Council Tree Financial, LLC 938 W Cecil St, Neenah, WI 54956 +1 (920) 731 - 4000
Scott Froemming First Wisconsin Financial 110 N, S Main St, Oconomowoc, WI 53066 +1 (262) 567 - 5980
Heights Finance Corporation 2900 Deerfield Dr #119, Janesville, WI 53546 +1 (608) 743 - 0196
Heights Finance Corporation 1613 Thierer Rd, Madison, WI 53704 +1 (608) 249 - 4370
Dairy State Bank 2405 Schneider Ave SE, Menomonie, WI 54751 +1 (715) 235 - 5511
Bank of Alma 211 S Main St, Alma, WI 54610 +1 (608) 685 - 4461
Check Advance 1701 N Spring St # 3, Beaver Dam, WI 53916 +1 (920) 356 - 0871

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Galloway, WI, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in New Berlin, WI, Payday Loans in Oak Creek, WI, Payday Loan Without a Credit Check in Oshkosh, WI, Payday Loan Without a Credit Check in Racine, WI, Payday Loans in Sheboygan, WI, Online Loans in Sun Prairie, WI, Bad Credit Loans in Waukesha, WI and Guaranteed Loans in Wausau, 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 Galloway, WI.

Are Payday Loans Legal In Galloway, 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

Galloway, WI payday loan calculator

The Ins and Outs of Payday Loans in Galloway, Wisconsin

In Galloway, Wisconsin, payday loans are legal. If you’re considering taking out a payday loan in Galloway, you need to know how they work, what the laws are, and where to find a lender. Taking out a payday loan is a significant financial decision, so it’s essential to do your research and understand the process thoroughly.

How payday loans work

A payday loan is a short-term, high-interest loan that is typically repaid within two to four weeks. To get a payday loan, you need to provide the lender with proof of income, such as a pay stub or bank statement, proof of identity, and a post-dated check or electronic debit authorization for the loan amount plus fees.

The amount you can borrow with a payday loan in Galloway is limited to $1,500 or 35% of your gross monthly income, whichever is less. The maximum loan term is 90 days, and the maximum fee that lenders can charge is $15 for every $100 borrowed.

The pros and cons of payday loans

Before you decide to take out a payday loan in Galloway, it’s critical to consider the pros and cons.

  • Pros:
    – Quick and easy access to cash
    – No credit check required
    – Can help you avoid late fees or overdraft charges
  • Cons:
    – High-interest rates and fees
    – Can lead to an endless cycle of debt
    – Can damage your credit score

It’s important to remember that taking out a payday loan should be a last resort. If you’re having financial difficulties, consider other options, such as budgeting, negotiating with creditors, or seeking help from a non-profit credit counseling agency.

The laws surrounding payday loans in Wisconsin

Wisconsin has stringent laws regulating payday lenders to protect borrowers. The state requires payday lenders to be licensed and to follow certain rules, such as:

  • Lenders can’t charge more than $15 for every $100 borrowed.
  • Lenders can’t lend more than $1,500 or 35% of your gross monthly income, whichever is less.
  • Lenders can’t extend a payday loan for longer than 90 days or impose additional fees on a loan renewal.
  • Lenders must provide you with a written contract that clearly outlines the loan terms and conditions, including the APR and fees.

If a payday lender violates any of the state’s laws, you can file a complaint with the Wisconsin Department of Financial Institutions.

Interesting facts and statistics about payday loans in Galloway, Wisconsin

  • In 2019, around 218,000 payday loans were taken out in Wisconsin, with borrowers paying over $36 million in fees.
  • In 2017, the average annual percentage rate (APR) for payday loans in Wisconsin was 486%, one of the highest in the country.
  • Payday lenders in Wisconsin are often located in areas with lower-income households, making them more accessible to those who may be struggling financially.

Apply now

If you’ve decided that a payday loan is the right option for you, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and straightforward, and we work with a network of lenders who are licensed and follow all state laws and regulations.

Remember, TheGuaranteedLoans is a connector service, not a direct lender. We don’t make credit decisions or impose fees. Instead, our service connects you with lenders who can give you the cash you need.

Apply now and take the first step toward getting the financial help you need.

F.A.Q.

Can payday loan providers contact my employer or other third parties if I default on my loan in Galloway, Wisconsin?

Yes, payday loan providers in Galloway, Wisconsin may contact your employer or other third parties if you default on your loan. They may do this to verify your employment or to collect the outstanding balance. However, they are not allowed to disclose any personal information about you without your consent.

Can I be charged with a crime for defaulting on a payday loan in Galloway, Wisconsin?

No, you cannot be charged with a crime for defaulting on a payday loan in Galloway, Wisconsin. However, you may face legal action from your lender to recover the outstanding balance, such as a lawsuit or wage garnishment. It is important to communicate with your lender if you are unable to make your loan payments, and to seek legal advice if necessary.