Payday Loans in Rock Springs, Wisconsin

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

Company nameAddressZip codePhone number
River Bank 145 N Main St, Stoddard, WI 54658 +1 (608) 457 - 2100
Peshtigo National Bank 250 French St, Peshtigo, WI 54157 +1 (715) 582 - 4512
Compeer Financial 2912 Pioneer Ave, Rice Lake, WI 54868 +1 (715) 234 - 2114
Black River Country Bank 401 N Washington St, Melrose, WI 54642 +1 (608) 488 - 2411
Gerber Collision & Glass 9666 Beaverland Pkwy, Beaver Dam, WI 53916 +1 (920) 887 - 2600
Compeer Financial 967 Oak St, Mondovi, WI 54755 +1 (715) 926 - 5055
Royal Bank 100 Splinter Ave, Dickeyville, WI 53808 +1 (608) 568 - 3334
Horicon Bank 1440 Horicon St, Mayville, WI 53050 +1 (920) 387 - 9123
Connexus 1 Corporate Dr STE 700, Wausau, WI 54401 +1 (800) 845 - 5025
Raymond James Financial Services 114 N Fond Du Lac Ave, Campbellsport, WI 53010 +1 (920) 533 - 8386

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Rock Springs, WI, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Janesville, WI, Payday Loans in Kenosha, WI, No Credit Check Loans in La Crosse, WI, Payday Loans in Madison, WI, Quick Loan in Manitowoc, WI, Payday Loans in Menomonee Falls, WI, Payday Loans in Milwaukee, WI and Quick Loan in New Berlin, 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 Rock Springs, WI.

Beautiful sights of Rock Springs, WI

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

53961

Are Payday Loans Legal In Rock Springs, 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

Rock Springs, WI payday loan calculator

Understanding Payday Loans in Rock Springs, Wisconsin

Payday loans are a type of consumer lending that have been gaining popularity in recent years. These short-term loans are designed to help consumers bridge the gap between paychecks and cover unexpected expenses. Payday loans are legal in Wisconsin and are regulated by state law.

How Payday Loans Work

Payday loans are typically small-dollar loans that are due on the borrower’s next payday. A borrower writes a post-dated check to the lender for the amount of the loan plus fees and interest. The lender then provides the borrower with cash or a deposit into their bank account.

When the loan is due, the lender cashes the post-dated check. If the borrower cannot repay the loan, the lender may offer to extend the loan for an additional fee. This can lead to a cycle of debt, where borrowers take out additional loans to cover the fees on previous loans. It is important to understand the terms and conditions of a payday loan before agreeing to borrow money.

Payday Loans in Rock Springs, Wisconsin

Payday loans are legal in Wisconsin, including in Rock Springs. Wisconsin law limits the amount a borrower can borrow to $1,500 or 35% of their gross monthly income, whichever is less. The loan term is limited to 90 days, and lenders are not allowed to charge more than 15% of the loan amount in fees.

It is important to note that payday loans can be expensive and should only be used as a last resort. Borrowers should explore other options, such as selling unused possessions or borrowing from friends or family, before taking out a payday loan.

The Pros and Cons of Payday Loans

Payday loans can be a helpful resource for consumers in need of quick cash. However, there are also some downsides to consider. Here are a few pros and cons of payday loans:

  • Pros: Quick and easy access to cash, regardless of credit history. No collateral required.
  • Cons: High interest rates and fees, short repayment term, can lead to a cycle of debt.

Interesting Facts about Payday Loans in Rock Springs, Wisconsin

  • According to a report by the Wisconsin Department of Financial Institutions, in 2019, there were more than 327,000 payday loans issued in the state of Wisconsin, with a total loan amount exceeding $128 million.
  • The average payday loan in Wisconsin was $392.50 in 2019.

Apply Now for a Payday Loan in Rock Springs, Wisconsin

TheGuaranteedLoans is a connector service that can help you find a potential lender for your payday loan needs. It is important to note that we are not a direct lender, but we work with a network of trusted lenders to provide loan options for our customers. To get started, fill out our online application today. We’ll work hard to find you a loan option that fits your needs.

Remember, payday loans can be helpful in certain situations, but they should be used sparingly and responsibly. Know the terms and conditions of your loan, and always borrow within your means. With TheGuaranteedLoans, you can feel confident knowing that you are working with a reputable service that puts your needs first.

F.A.Q.

Are there any protections for military service members in Rock Springs, 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.

Can I be charged late fees if I miss a payment on a payday loan in Rock Springs, Wisconsin?

Yes, borrowers who miss a payment on a payday loan in Rock Springs, Wisconsin may be charged late fees. The amount of these fees is limited to 5% of the unpaid amount, up to a maximum of $25. However, borrowers who are unable to make a payment due to financial hardship may be eligible for an extended payment plan or other forms of assistance.