Payday Loans in Junction City, Wisconsin

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

Company nameAddressZip codePhone number
Co-Op Credit Union 330 County Rd A, Black River Falls, WI 54615 +1 (715) 284 - 5333
PremierBank 1400 Black Bridge Rd, Janesville, WI 53545 +1 (608) 756 - 1111
Merrill Community Bank 907 E Main St, Merrill, WI 54452 +1 (715) 536 - 7133
Check and Cash LLC 1122 N Superior Ave, Tomah, WI 54660 +1 (608) 372 - 4870
Advanced Accounting & Tax Service 14 E Davenport St, Rhinelander, WI 54501 +1 (715) 365 - 1881
World Finance Corporation 1330 W Main St, Sun Prairie, WI 53590 +1 (608) 834 - 0240
Payday Loan Store 5781 S Packard Ave, Cudahy, WI 53110
Blackhawk Community Credit Union 110 Parkview Dr, Milton, WI 53563 +1 (608) 755 - 6065
Horicon Bank 1440 Horicon St, Mayville, WI 53050 +1 (920) 387 - 9123
Lincoln Financial Group 1110 N Old World 3rd St 218, Milwaukee, WI 53203 +1 (414) 225 - 2600

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Junction City, WI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Sheboygan, WI, No Credit Check Loans in Sun Prairie, WI, Emergency Loan in Waukesha, WI, Payday Loans in Wausau, WI, Payday Loans in West Bend, WI, 24-Hour Loan in Appleton, WI, Payday Loans in Beloit, WI and Same Day Loans in Brookfield, 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 Junction City, WI.

Beautiful sights of Junction City, WI

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

54443

Are Payday Loans Legal In Junction City, 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

Junction City, WI payday loan calculator

Payday Loans in Junction City, Wisconsin: A Comprehensive Guide

Payday loans are a type of short-term loan that individuals take out to cover unexpected expenses. These loans are often advertised as a quick fix solution and can come with high interest rates and fees. However, in Wisconsin, payday loans are a legal option for those in need of financial assistance.

How do Payday Loans work in Wisconsin?

Payday loans in Wisconsin are governed by the Wisconsin Department of Financial Institutions. In Junction City, residents can borrow up to $1,500 from a licensed payday lender. The loan term cannot exceed 90 days, and the interest rate is limited to 22% on loans of up to $2,000.

Before taking out a payday loan, borrowers are required to provide identification, proof of income, and a post-dated check or electronic access to their bank account. The lender will deposit the loan funds into the borrower’s account and will collect the loan amount plus fees on the due date.

Are there any alternatives to Payday Loans in Junction City?

While payday loans may seem like a quick and easy solution, they often come with high fees and interest rates. Fortunately, there are alternatives available to those in need of financial assistance in Junction City.

  • Personal Loans – Consider taking out a personal loan from a credit union or bank. These loans typically have lower interest rates than payday loans, allowing borrowers to pay back the loan over time.
  • Credit Counseling – Credit counseling agencies can work with individuals to create a budget and develop a debt repayment plan. This can help individuals avoid taking out loans in the first place.
  • Public Assistance – Depending on the situation, individuals may be eligible for public assistance programs in Wisconsin, such as the FoodShare program or low-income energy assistance.

Before taking out a payday loan, it’s important to explore all available options and choose the one that is best for your individual situation.

Interesting Facts and Statistics about Payday Loans in Junction City, Wisconsin

  • According to the Wisconsin Department of Financial Institutions, the average payday loan in Wisconsin is $320.
  • While payday loans are legal in Wisconsin, the state has stricter regulations than other states. For example, in Texas, payday lenders can charge interest rates of up to 664%.
  • A study from the Pew Charitable Trusts found that 69% of payday loan borrowers use the funds to cover recurring expenses, such as utility bills or rent.

Apply Now to Connect with Potential Lenders through TheGuaranteedLoans

At TheGuaranteedLoans, we understand that unexpected expenses can arise and sometimes a payday loan may be the best option for those in need of financial assistance. We are a connector service, working to connect individuals with potential lenders who can provide short-term loans.

If you’re in need of a payday loan in Junction City, Wisconsin, fill out our online application today. We work with a network of trusted lenders, so you can rest assured that your information is safe and secure. Our application process is quick and easy, and you can receive an approval decision in minutes.

Please note that TheGuaranteedLoans is not a direct lender and cannot guarantee loan approval. However, our services can help connect you with potential lenders who may be able to provide the financial assistance you need.

Conclusion

While payday loans can be an expensive option for those in need of financial assistance in Junction City, Wisconsin, they are a legal option for those who lack other alternatives. Before taking out a payday loan, it’s important to explore all available options and understand the terms and interest rates associated with the loan. At TheGuaranteedLoans, we are here to help connect you with potential lenders who can provide short-term financial assistance. Apply now to get started.

F.A.Q.

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

No, payday loan providers in Junction City, 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 Junction City, Wisconsin?

Yes, payday loan providers in Junction City, 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.