Payday Loans in Packwaukee, Wisconsin

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

Company nameAddressZip codePhone number
WNB Financial 501 Empire St 104, Holmen, WI 54636 +1 (608) 399 - 3190
Crawford County Title Services, Inc. 123 E Blackhawk Ave, Prairie du Chien, WI 53821 +1 (608) 326 - 4690
Altra Federal Credit Union 1404 S Main St, Holmen, WI 54636 +1 (608) 787 - 4500
Monona Bank 2615 Westview Ct, Cross Plains, WI 53528 +1 (608) 798 - 2265
Chase Bank 7510 Bristol Rd, Bristol, WI 53104 +1 (262) 857 - 3827
Huntington Mortgage Group 1612 Belknap St, Superior, WI 54880
BMO Harris Bank 1425 W Mequon Rd, Mequon, WI 53092 +1 (262) 241 - 2000
Check Into Cash 2304 S Main St #2, Rice Lake, WI 54868 +1 (715) 318 - 0013
Security Financial Bank 1401 Main St, Bloomer, WI 54724 +1 (715) 568 - 1100
Port Washington State Bank 201 Regal Dr, Fredonia, WI 53021 +1 (262) 692 - 2444

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Packwaukee, WI, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Kenosha, WI, Payday Loans in La Crosse, WI, Payday Loans in Madison, WI, Payday Loans in Manitowoc, WI, Payday Loans in Menomonee Falls, WI, Guaranteed Loans in Milwaukee, WI, Payday Loan Companies in New Berlin, WI and Guaranteed Loans in Oak Creek, 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 Packwaukee, WI.

Beautiful sights of Packwaukee, WI

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

53953

Are Payday Loans Legal In Packwaukee, 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

Packwaukee, WI payday loan calculator

Payday Loans in Packwaukee, Wisconsin – A Comprehensive Guide

Are you in a financial bind, wondering how you can keep your head above water? Perhaps you’ve had an unexpected expense pop up or missed work due to an illness, and you’re not sure how to cover your bills until your next payday.

If you are located in Packwaukee, Wisconsin, you may find yourself considering a payday loan. Payday loans are a type of loan that provide fast access to cash, and they are a legal option for residents of Wisconsin. However, it’s important to be informed about the risks and benefits of payday loans before making a decision. In this guide, we’ll provide you with a comprehensive overview of payday loans in Packwaukee so you can make an informed decision.

What are payday loans?

A payday loan is a short-term loan that typically has to be repaid on your next payday. These loans usually have high-interest rates and fees and are often marketed to individuals who have poor credit or low-income.

The process of obtaining a payday loan is simple – you fill out a loan application, and if you are approved, you will receive the funds in your bank account within a few hours or days. However, the high-interest rates and fees associated with these loans can make them incredibly challenging to pay back, especially for people who are already struggling with financial difficulties.

Payday Loans in Packwaukee, Wisconsin – What You Need to Know

If you’re considering a payday loan in Packwaukee, Wisconsin, there are a few things that you need to know. Wisconsin state law limits the amount of a payday loan to $1,500 or 35% of your gross monthly income, whichever is less. Additionally, the repayment term must be between 14-90 days.

The interest rate on payday loans in Wisconsin varies, as it depends on the amount of the loan. Loans under $3,000 have a minimum yearly interest rate of 18%, while loans over $3,000 have a maximum yearly rate of 27%.

It’s also crucial to note that rollovers, renewals, and refinancing of payday loans are illegal in Wisconsin. This means that you cannot take out a new payday loan to pay off an existing payday loan, nor can you extend the repayment period.

The Risks and Benefits of Payday Loans

It’s important to weigh the risks and benefits of payday loans when considering whether they are a good choice for your financial needs.

Benefits of Payday Loans

  • Easy application process and fast access to funds.
  • No credit check required. If you have poor credit, you can still access a payday loan.
  • Short-term nature of the loan means you won’t have debt hanging over your head for an extended period.

Risks of Payday Loans

  • High interest and fees. The interest on payday loans can be incredibly high, making it difficult if not impossible to repay the loan on time.
  • Risk of rollovers and debt traps. If you can’t repay the loan on time, you may be tempted to take out another loan to cover the previous one, trapping you in a cycle of debt.
  • Unregulated lenders can take advantage of borrowers. Some payday loan lenders may not be reputable and can charge exorbitant interest rates and fees.

Facts and Statistics about Payday Loans in Packwaukee, Wisconsin

It’s important to be informed about the facts and statistics regarding payday loans in Packwaukee, Wisconsin.

  • The average payday loan in Wisconsin is $320, and borrowers pay an average of $86 in interest and fees.
  • 60% of Wisconsin payday loans are taken out within two weeks of paying off a previous payday loan.
  • 77% of payday loans in Wisconsin are taken out by borrowers who take out five or more loans per year.

Apply Now

If you’re considering a payday loan in Packwaukee, TheGuaranteedLoans can help connect you with reputable lenders who may be able to help. Our application process is simple and straightforward, and we’ll work with you to find the best loan options for your needs. It’s essential to remember that we are a connector service, not a direct lender. We will facilitate your connection with potential lenders, but we cannot guarantee loan approval.

If you’re ready to apply, head to our website to get started.

Conclusion

While a payday loan may seem like an attractive option to cover unexpected expenses or financial difficulties, it’s essential to be informed about the risks and benefits before making a decision. Wisconsin state law governs payday loans, so it’s important to understand the restrictions on the amount, interest rates, and repayment periods. At TheGuaranteedLoans, we can help connect you to potential lenders, but it’s up to you to decide if a payday loan is the right choice for your financial situation.

F.A.Q.

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

Yes, there are several alternatives to payday loans in Packwaukee, Wisconsin, including credit unions, community organizations, and small-dollar loan programs. It is important to carefully research and compare options before taking out any type of loan.

Are there any consumer protections in place for payday loans in Packwaukee, Wisconsin?

Yes, Wisconsin law includes several consumer protections for payday loan borrowers, such as requiring lenders to provide written disclosure of the loan terms and fees, as well as a three-day right of rescission.