Payday Loans in Harshaw, Wisconsin

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

Company nameAddressZip codePhone number
Bremer Mortgage 24449 WI-35 70, Siren, WI 54872 +1 (715) 349 - 2191
Valley Communities Credit Union Wisconsin Rapids 440 8th St S, Wisconsin Rapids, WI 54494 +1 (715) 424 - 4400
Walmart Money Center 1133 N Main St, Viroqua, WI 54665 +1 (608) 637 - 8511
Fairway Independent Mortgage Corporation 2425 New Pinery Rd Suite 202, Portage, WI 53901 +1 (608) 742 - 0097
Payday Loans 15415 W National Ave, New Berlin, WI 53151
Check `n Go 1823 E Geneva St Suite C, Delavan, WI 53115 +1 (262) 728 - 1953
Heights Finance Corporation 2605 W College Ave, Appleton, WI 54914 +1 (920) 733 - 3930
Shorewest Realtors - Janesville-Rock County Office 4323 Milton Ave Suite 200, Janesville, WI 53546 +1 (608) 754 - 2121
Check n Go W7705 Johnson Court, Wautoma, WI 54982 +1 (920) 787 - 0367
Personal Finance Company 1203 S Military Ave, Green Bay, WI 54304 +1 (920) 544 - 9602

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harshaw, WI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Madison, WI, Payday Loan Companies in Manitowoc, WI, Payday Loans in Menomonee Falls, WI, Payday Loans in Milwaukee, WI, Payday Loan Without a Credit Check in New Berlin, WI, Payday Loan for Oak Creek, WI, Payday Loans in Oshkosh, WI and Payday Loans in Racine, 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 Harshaw, WI.

Are Payday Loans Legal In Harshaw, 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

Harshaw, WI payday loan calculator

Getting a payday loan in Harshaw, Wisconsin, can be a useful solution to cover unexpected expenses when you don’t have enough cash on hand. However, it’s crucial to understand the ins and outs of payday loans before taking one out.

What are payday loans?

Payday loans are small, short-term loans that typically have high interest rates. They are designed to provide quick cash to those who need it before their next paycheck. In Harshaw, Wisconsin, payday loans are legal, but there are regulations in place to protect borrowers.

How do payday loans work in Harshaw, Wisconsin?

Payday loans are available to anyone over 18 years of age who has a steady source of income. In Harshaw, Wisconsin, there are regulations that lenders must follow, such as:

  • Lenders can only lend up to $1,500 or 35% of the borrower’s gross monthly income, whichever amount is less.
  • The maximum loan term is 90 days.
  • Lenders can charge up to $20 in fees per $100 borrowed, plus an additional database verification fee of $5.

Before taking out a payday loan, it’s essential to understand the fees and interest rates involved. Payday loans have high-interest rates and can be expensive if you don’t pay them back on time. In Harshaw, Wisconsin, lenders must disclose all fees and interest rates upfront, so borrowers know exactly what they’ll be paying back.

The Risks of Payday Loans

While payday loans can be useful in emergencies, they come with risks.

  • Financial instability: If you’re already struggling to make ends meet, a payday loan can make your financial situation worse. High interest rates and fees can make it difficult to pay back the loan on time, leading to more debt and financial instability.
  • Debt cycle: If you can’t pay back the loan on time, some lenders offer to roll over the loan, extending the payment date. However, this extends the loan term and adds more fees and interest rates, trapping borrowers in a debt cycle.
  • Privacy concerns: To qualify for a payday loan, you must provide sensitive personal information, such as your Social Security number and bank account information. This information can be vulnerable to hacking and data breaches, putting your financial security at risk.

Interesting facts and statistics about payday loans in Harshaw, Wisconsin

– There are an estimated 480 payday loan stores in Wisconsin, and they have generated about $40 million in fees annually.

– Around 80% of payday loans are rolled over or renewed within two weeks, leading to more fees and interest rates for borrowers.

Apply Now

If you need a payday loan in Harshaw, Wisconsin, TheGuaranteedLoans can help connect you with potential lenders. As a connector service, not a direct lender, we can facilitate your connection with lenders who meet your financial needs. Fill out our online application to get started today.

Remember, payday loans should only be used for emergencies and should be paid back on time to avoid additional fees and financial instability. Understanding the regulations in Harshaw, Wisconsin, and the risks involved can help you make the best decision for your financial well-being.

F.A.Q.

Is there a cooling-off period for payday loans in Harshaw, Wisconsin?

Yes, Wisconsin law requires a cooling-off period of 24 hours between payday loan applications. This means that borrowers must wait 24 hours after repaying a payday loan before applying for another one.

Can I be sued or arrested for failing to repay a payday loan in Harshaw, Wisconsin?

No, it is illegal for lenders to sue or arrest borrowers for failing to repay a payday loan in Harshaw, Wisconsin. Borrowers who are unable to repay the loan may be eligible for an extended payment plan or other forms of assistance. However, failure to repay the loan may result in additional fees and charges, and may damage the borrower's credit score.