Payday Loans in Helenville, Wisconsin

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

Company nameAddressZip codePhone number
World Finance 830 WI-136 Ste 4 Ste 4, Baraboo, WI 53913 +1 (608) 356 - 2294
Citizens First Bank N16047 WI-93 Trunk, Galesville, WI 54630 +1 (608) 539 - 5900
Walmart Money Center 4622 Mormon Coulee Rd, La Crosse, WI 54601 +1 (608) 788 - 1870
Me-No-Monie Street Pawn & Loan 1243 Menomonie St, Eau Claire, WI 54703 +1 (715) 852 - 2222
Paper City Savings Association 226 Market St, Nekoosa, WI 54457 +1 (715) 886 - 4800
Payday Loan Debt Help 21275 Gumina Rd, Brookfield, WI 53072 +1 (800) 584 - 0536
MoneyGram 575 N Knowles Ave c, New Richmond, WI 54017 +1 (715) 246 - 3446
Loanmax Title Loans 3066 E Washington Ave, Madison, WI 53704 +1 (608) 243 - 9400
Walmart Money Center W190n9855 Appleton Ave, Germantown, WI 53022
U.S. Bank ATM - Corporate Loan Center 1850 Osborn Ave, Oshkosh, WI 54902 +1 (800) 872 - 2657

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Helenville, WI, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Wausau, WI, 24-Hour Loan in West Bend, WI, Payday Loans in Appleton, WI, Payday Loans in Beloit, WI, Payday Loans in Brookfield, WI, Payday Loans in Eau Claire, WI, 24-Hour Loan 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 Helenville, WI.

Beautiful sights of Helenville, WI

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

53137

Are Payday Loans Legal In Helenville, 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

Helenville, WI payday loan calculator

Payday loans are one of the financial options that individuals in Helenville, Wisconsin can turn to when facing a financial crisis. Despite the controversies surrounding payday loans, they are legal in Wisconsin and can be one way to address a short-term financial need.

What are payday loans?

Payday loans are short-term loans usually taken out for two weeks to a month. They are intended to cover unexpected expenses such as car repairs or medical bills until an individual’s next payday. These loans are usually unsecured, meaning they do not require collateral or a credit check. Instead, lenders rely on a borrower’s income and check whether they have a checking account to ensure they can repay the loan.

How do payday loans work in Helenville, Wisconsin?

Wisconsin has regulations in place that govern payday loans, including limiting loan amounts to $1,500 or 35% of the borrower’s gross monthly income and a maximum loan term of 90 days. Lenders are also required to disclose the loan’s annual percentage rate (APR) to borrowers.

To apply for a payday loan in Helenville, Wisconsin, individuals must be at least 18 years old, provide proof of identity, income, and residency, and have an active checking account. Upon approval, the loan amount is transferred to the borrower’s checking account, usually on the same day.

The advantages and disadvantages of payday loans

Payday loans provide quick cash to individuals facing a financial crisis, offering a solution when traditional lenders may not be an option. They also have a simple application process, and borrowers with poor credit scores can still apply for these loans.

However, payday loans can be expensive because of their high annual percentage rates (APRs), and if not paid on time, borrowers can incur additional fees and interest charges. This can lead to a cycle of debt that is difficult to break out of, especially for those who continuously rely on payday loans.

Interesting facts and statistics about payday loans in Helenville, Wisconsin

  • There are currently over 300 payday lenders in Wisconsin.
  • The average APR on payday loans in Wisconsin is 532%, which is one of the highest in the country.
  • In 2019, the number of payday loans taken out in Wisconsin was over 1.3 million.

Apply Now

If you’re facing a financial crisis and are considering a payday loan, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is simple, and once you apply, we will provide you with options from our network of lenders. It’s important to note that TheGuaranteedLoans is a connector service, not a direct lender, and we do not make credit decisions. Apply now to see your options and take control of your finances.

Conclusion

Payday loans can provide a solution for those facing a short-term financial crisis. However, they can be costly, and individuals must be aware of the risks associated with these loans. As with any financial decision, it’s essential to do research, understand the terms and conditions of the loan, and only borrow what you can realistically pay back.

F.A.Q.

What are the maximum loan amounts and fees for payday loans in Helenville, Wisconsin?

The maximum loan amount for a payday loan in Helenville, Wisconsin is $1,500, and the maximum fees that a payday lender can charge are $15.50 per $100 borrowed. This means that if you borrow $500, the maximum fee you could be charged is $77.50.

Are there any alternatives to payday loans in Helenville, Wisconsin?

Yes, there are several alternatives to payday loans in Helenville, Wisconsin that may be more affordable and less risky. For example, you could try negotiating with your creditors for more time to pay your bills, or you could consider borrowing money from a family member or friend. Other alternatives include applying for a small personal loan from a bank or credit union, or seeking assistance from a nonprofit credit counseling agency.