Payday Loans in Oakdale, Wisconsin

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

Company nameAddressZip codePhone number
ATM Associated Bank 10526 Main St, Hayward, WI 54843 +1 (800) 627 - 3999
SENB Bank 2215 Cranston Rd, Beloit, WI 53511 +1 (608) 313 - 6662
Bank First 2915 Custer St, Manitowoc, WI 54220 +1 (920) 652 - 3110
First American Bank 2424 Monetary Blvd 107, Hudson, WI 54016 +1 (715) 381 - 8330
Forward Financial Credit Union Cemetery Rd, Pembine, WI 54156 +1 (715) 324 - 6801
Advanced Accounting & Tax Service 14 E Davenport St, Rhinelander, WI 54501 +1 (715) 365 - 1881
Rachel Pekowsky - Thrivent Financial 222 W Main St, Wautoma, WI 54982 +1 (920) 787 - 1808
World Finance Corporation 3000 Milton Ave #104, Janesville, WI 53545 +1 (608) 754 - 0322
Nicolet National Bank 810 N Division St, Colby, WI 54421 +1 (715) 223 - 2361
Peoples State Bank Lending Office 3233A Business Park Dr 106, Stevens Point, WI 54482 +1 (715) 544 - 1194

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oakdale, WI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Beloit, WI, Bad Credit Loans in Brookfield, WI, No Credit Check Loans in Eau Claire, WI, Payday Loans in Fond du Lac, WI, Payday Loans in Franklin, WI, Short-term Loans in Green Bay, WI, Payday Loan Without a Credit Check in Janesville, WI and Payday Loans in Kenosha, 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 Oakdale, WI.

Beautiful sights of Oakdale, WI

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

54649

Are Payday Loans Legal In Oakdale, 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

Oakdale, WI payday loan calculator

Understanding Payday Loans in Oakdale, Wisconsin

Payday loans are short-term loans that are designed to provide financial relief to borrowers who need cash quickly. In Oakdale, Wisconsin, payday loans are legal, and many people turn to them when they need emergency funds. However, before taking out a payday loan, it is essential to understand how they work, their benefits and drawbacks, and how to find the best lenders in Oakdale.

How Payday Loans Work

Payday loans typically range from $100 to $1,500, depending on the lender and the borrower’s income. The borrower must repay the loan, plus interest and fees, on their next payday. The loan terms can range from two weeks to one month, depending on the lender’s policies and the borrower’s income.

When applying for a payday loan in Oakdale, the borrower will need to provide proof of income, identification, and a post-dated check or authorization to debit their bank account on the due date. The lender will calculate the maximum loan amount the borrower qualifies for based on their income and ability to repay the loan.

The Benefits of Payday Loans

  • Quick access to cash: Payday loans can provide immediate financial relief to borrowers who need cash quickly.
  • No credit check required: Most payday lenders do not require a credit check, making them accessible to borrowers with poor credit scores.
  • Straightforward application process: Applying for a payday loan is typically a simple and straightforward process that can be done online.

The Drawbacks of Payday Loans

  • High-interest rates: Payday loans come with high-interest rates and fees, which can make them extremely expensive for borrowers.
  • Short repayment term: Payday loans must be repaid within a short period, which can be challenging for many borrowers who may not have the funds to repay the loan by the due date.
  • Potential cycle of debt: If borrowers cannot repay their payday loan on time, they may roll over the loan, incurring additional interest and fees and trapping them in a cycle of debt.

Finding the Best Payday Loan Lenders in Oakdale, Wisconsin

When looking for a payday loan in Oakdale, it is essential to do your research and find the best lenders with transparent policies and reasonable rates. Here are some tips to help you find the best payday loan lenders in Oakdale:

  • Check the lender’s reviews: Look for online reviews from other borrowers who have worked with the lender to see if they have had positive experiences.
  • Compare rates and terms: Compare the rates and terms of several lenders to find the most affordable and transparent options.
  • Verify the lender’s license: Make sure the lender is licensed to operate in Wisconsin by checking the Wisconsin Department of Financial Institutions website.

Interesting Facts and Statistics about Payday Loans in Oakdale, Wisconsin

  • In 2020, over 300,000 payday loans were taken out in Wisconsin, with an average loan amount of $383.
  • The average interest and fees for a payday loan in Wisconsin were 528%, making them one of the most expensive forms of borrowing in the state.
  • Between 2010 and 2020, the number of payday lenders in Wisconsin decreased by 34%, in part due to stricter regulations.

Apply Now with TheGuaranteedLoans

If you need a payday loan in Oakdale, Wisconsin, TheGuaranteedLoans can help connect you with potential lenders quickly and easily. As a connector service, we work with a network of trusted lenders to provide borrowers with access to a range of loan options. Our application process is simple and straightforward, and we only work with lenders who adhere to Wisconsin’s payday lending laws. Apply now and get the cash you need, when you need it.

F.A.Q.

Can payday loan providers require me to undergo a credit check to apply for a loan in Oakdale, Wisconsin?

Yes, payday loan providers in Oakdale, 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.

Can payday loan providers require me to sign a contract or agreement to apply for a loan in Oakdale, Wisconsin?

Yes, payday loan providers in Oakdale, Wisconsin may require you to sign a contract or agreement to apply for a loan. This will outline the terms and conditions of the loan, including the interest rate, fees, and repayment terms. It is important to read and understand the contract before signing it, and to seek legal advice if you have any questions.