Payday Loans in Ogema, Wisconsin

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

Company nameAddressZip codePhone number
Royal Credit Union - Somerset 115 Parent St, Somerset, WI 54025 +1 (800) 341 - 9911
Ladysmith Federal Savings 119 W 4th St N, Ladysmith, WI 54848 +1 (715) 532 - 3389
Westbury Bank 25 S Wacker Dr, Hartford, WI 53027 +1 (262) 670 - 6757
Fox Communities Credit Union 3 N Main St, Clintonville, WI 54929 +1 (715) 823 - 2191
Check n Go 1823 Geneva St Suite C, Delavan, WI 53115 +1 (262) 728 - 1953
BMO Harris Bank 5211 Rib Mountain Dr, Wausau, WI 54402 +1 (715) 847 - 4218
Vantage Financial Partners 4000 Spring St, Racine, WI 53405 +1 (262) 884 - 8890
Cash Store 135 S Water St, Platteville, WI 53818 +1 (608) 348 - 2357
Utopia Mortgage LLC 313 W Beltline Hwy, Madison, WI 53713 +1 (608) 217 - 2102
Thrivent Financial Scott Parson 310 E Green Bay St 2448, Shawano, WI 54166 +1 (715) 524 - 1951

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ogema, WI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Manitowoc, WI, Payday Loans in Menomonee Falls, WI, Bad Credit Loans in Milwaukee, WI, 24-Hour Loan in New Berlin, WI, Guaranteed Loans in Oak Creek, WI, Guaranteed Loans in Oshkosh, WI, Online Loans in Racine, WI and No Credit Check Loans in Sheboygan, 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 Ogema, WI.

Beautiful sights of Ogema, WI

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

54459

Are Payday Loans Legal In Ogema, 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

Ogema, WI payday loan calculator

What You Need to Know About Payday Loans in Ogema, Wisconsin

Life is unpredictable, and unexpected expenses can often come up when you are least prepared for them. Luckily, payday loans can provide a quick solution to your financial worries. But before you take the plunge and apply for a payday loan, it’s important to understand what they are, how they work, and the laws governing payday loans in Ogema, Wisconsin.

What Are Payday Loans?

Payday loans are short-term loans that are meant to be paid back with your next paycheck. They are typically used to cover unexpected expenses such as medical bills, car repairs, or other emergency expenses. Payday loans are designed to provide quick access to cash without the need for a credit check or extensive paperwork.

The Basics of Payday Loans in Ogema, Wisconsin

In Wisconsin, payday loans are legal and regulated by state law. According to Wisconsin Statute 138.14, payday lenders must be licensed and follow certain regulations to protect consumers from predatory lending practices. The state of Wisconsin also sets limits on the amount of money you can borrow, the length of time you have to repay the loan, and the fees and interest rates that can be charged.

Loan Amounts and Repayment Terms

In Ogema, Wisconsin, the maximum loan amount that you can borrow is $1,500 or 35% of your gross monthly income, whichever is less. You have up to 90 days to repay the loan, and lenders cannot charge more than $15 for every $100 borrowed. This means that if you borrow $500, the maximum fee that can be charged is $75, making your total repayment amount $575.

Interest Rates and Fees

Payday lenders in Wisconsin are allowed to charge an annual interest rate of up to 542%. While this may seem high, keep in mind that payday loans are designed to be short-term loans, and the interest rate is calculated on a yearly basis. In addition to interest, lenders can also charge a verification fee of up to $5 and a loan origination fee of up to 2.75% of the loan amount.

Applying for a Payday Loan

When you apply for a payday loan in Ogema, Wisconsin, you will need to provide the lender with proof of income, such as a pay stub or bank statement, as well as a valid ID and checking account information for repayment. Lenders typically approve or deny applications within minutes and can provide you with cash on the same day.

Interesting Facts and Statistics about Payday Loans in Ogema, Wisconsin

  • In Wisconsin, the average payday loan is $320, and the average term length is 21 days.
  • According to a study by the Pew Charitable Trusts, 69% of Wisconsin borrowers take out payday loans to cover basic living expenses, such as rent or groceries.
  • The number of payday lenders in Wisconsin has decreased in recent years, from 511 in 2011 to 248 in 2020.

Apply Now for a Payday Loan in Ogema, Wisconsin

If you are facing an unexpected expense and need quick access to cash, TheGuaranteedLoans can help connect you with potential lenders in Ogema, Wisconsin. Our online application process is simple, secure, and can provide you with a decision in minutes. Keep in mind that we are a connector service and not a direct lender, so we cannot guarantee approval or loan terms. However, we strive to work with reputable lenders who follow state laws and regulations to protect our customers.

Don’t let unexpected expenses stress you out. Apply now for a payday loan in Ogema, Wisconsin, and get the help you need to take control of your finances.

F.A.Q.

Can I cancel a payday loan in Ogema, Wisconsin?

Yes, borrowers have the right to cancel a payday loan within 24 hours of signing the loan agreement. To cancel the loan, the borrower must notify the lender in writing and return any funds that have already been disbursed. The lender is required to refund any fees or charges that have been collected within 10 days of receiving the cancellation notice.

Are there any protections for military service members in Ogema, Wisconsin regarding payday loans?

Yes, Wisconsin law provides additional protections for military service members and their families. These protections include caps on interest rates, limits on the number of loans that can be taken out at once, and requirements for lenders to provide clear disclosure of loan terms and conditions.