Payday Loans in Lynxville, Wisconsin

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

Company nameAddressZip codePhone number
Farm Credit Services 290 W Union St, Richland Center, WI 53581 +1 (608) 647 - 8861
Dane County Title 141 N Iowa St, Dodgeville, WI 53533 +1 (608) 935 - 3834
John O Melby & Co Bank 36450 Main St, Whitehall, WI 54773 +1 (715) 538 - 4358
BMO Harris Bank - Lobby open by appointment only 500 Cherry Ave, Oconto Falls, WI 54154 +1 (920) 846 - 2810
ATM River Valley Bank 300 E 1st St, Merrill, WI 54452 +1 (800) 627 - 3999
PNC Bank 1225 Fond Du Lac Ave, Kewaskum, WI 53040 +1 (262) 626 - 6340
Summit Credit Union 202 E Verona Ave, Verona, WI 53593 +1 (608) 243 - 5000
Wisco Funding 11414 W Park Pl 202, Milwaukee, WI 53224 +1 (414) 219 - 9045
Auto Cash Title Loans 594 Outpost Cir # B, Hudson, WI 54016 +1 (715) 381 - 1381
Wells Fargo Home Mortgage 2414 Mercantile Dr, Eau Claire, WI 54703 +1 (715) 858 - 9990

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lynxville, WI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Sheboygan, WI, Payday Loans in Sun Prairie, WI, Same Day Loans in Waukesha, WI, Online Loans in Wausau, WI, Payday Loan Companies in West Bend, WI, Bad Credit Loans in Appleton, WI, Payday Loan Without a Credit Check in Beloit, WI and Payday 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 Lynxville, WI.

Beautiful sights of Lynxville, WI

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

54640

Are Payday Loans Legal In Lynxville, 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

Lynxville, WI payday loan calculator

Payday Loans in Lynxville, Wisconsin: Understanding Your Options

Facing an unexpected expense or emergency can be overwhelming. If you’re in a financial bind and need quick cash, you may be considering a payday loan. In Lynxville, Wisconsin, payday lending is legal and regulated to ensure borrowers are protected. In this article, we’ll take a closer look at payday loans in Lynxville, Wisconsin, discuss how they work, and explore other options available.

What are Payday Loans?

Payday loans are short-term, high-interest loans designed to help people get through financial emergencies until their next payday. In Lynxville, Wisconsin, payday loans are limited to $1,500 or 35% of your gross monthly income, whichever is less. They typically have a term of two weeks to a month and are repaid in full, including fees and interest, on your next payday.

One of the main benefits of payday loans is that they are easy to qualify for, even if you have poor credit. Most payday lenders don’t require a credit check, making them an appealing option for anyone struggling to get approved for other types of loans.

How do Payday Loans Work?

The process of getting a payday loan in Lynxville, Wisconsin, is straightforward. You’ll usually need to provide a valid ID, proof of income, and your bank account information. If you’re approved, the lender will give you the funds in cash, on a prepaid debit card, or deposited directly into your bank account.

When your loan is due, the lender will attempt to withdraw the full amount, including fees and interest, from your bank account. If you don’t have enough funds to cover the payment, you could face overdraft fees and other financial penalties.

It’s crucial to know that payday loans are not a long-term solution to financial problems. The high-interest rates and fees associated with payday loans can trap borrowers in a cycle of debt, making it challenging to get ahead.

What are My Other Options?

If you’re considering a payday loan, it’s important to explore all your options first. Here are some alternatives to consider:

  • Personal Loans: Personal loans are typically unsecured and have a longer repayment term than payday loans. They may be a better option if you have decent credit and need to borrow a larger amount of money.
  • Credit Card Cash Advance: If you have a credit card, you may be able to take out a cash advance, which allows you to borrow against your credit limit. Keep in mind that cash advances typically come with high fees and interest rates.
  • Negotiating Payment Plans: If you’re facing a small expense, like a medical bill, reach out to the provider and ask if you can set up a payment plan. Most providers will work with you to come up with a plan that fits within your budget.

Interesting statistics about Payday Loans in Lynxville, Wisconsin

  • In 2019, 180,000 payday loans were issued in Wisconsin, totaling over $85 million in loans.
  • The average payday loan in Wisconsin has an APR of 500%, making it one of the highest in the country.
  • The average payday loan borrower in Wisconsin takes out eight loans per year, spending an average of 171 days in debt.

Apply Now

If you’ve considered your options and have decided that a payday loan is right for your situation, you can apply for a loan through TheGuaranteedLoans. As a connector service, TheGuaranteedLoans can help connect you with potential lenders who may be able to provide the funds you need. Remember that payday loans are designed to be a short-term solution, and you should only borrow what you can afford to repay.

Conclusion

Payday loans can be a valuable resource for people facing unexpected expenses or emergencies. However, it’s essential to understand the risks and costs associated with these high-interest loans. If you’re considering a payday loan in Lynxville, Wisconsin, explore all your options and only borrow what you can afford to repay.

F.A.Q.

Are there any restrictions on the number of payday loans I can take out in Lynxville, Wisconsin?

Yes, Wisconsin law limits borrowers to no more than one payday loan at a time.

Can I take out a payday loan if I have bad credit?

Yes, payday lenders do not typically require a credit check, so you may be able to obtain a payday loan even if you have bad credit.