Payday Loans in Saint Cloud, Wisconsin

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

Company nameAddressZip codePhone number
MoneyGram inside CHECK ADVANCE SERVICES - 2660 CHECK ADVANCE SERVICES - 2660 2321 302, WI-25 n ste, Menomonie, WI 54751 +1 (715) 233 - 0376
Heights Finance Corporation 2476 S Oneida St, Green Bay, WI 54304 +1 (920) 497 - 2326
First Midwest Bank 302 E Wells St, Milwaukee, WI 53202 +1 (414) 466 - 8000
Security Finance 1421 Racine St f, Delavan, WI 53115 +1 (262) 728 - 6222
Jason Arndt - Ameriprise Financial Services, Inc. 1828 N Washington St 100, Janesville, WI 53548 +1 (608) 373 - 3175
Blackhawk Community Credit Union 110 Parkview Dr, Milton, WI 53563 +1 (608) 755 - 6065
BMO Harris Bank 1425 Tower Ave, Superior, WI 54880 +1 (715) 394 - 8840
Marine Credit Union La Crosse 127 West Ave N, La Crosse, WI 54601 +1 (608) 784 - 7329
Check Advance - Closed 304 N Bridge St, Chippewa Falls, WI 54729 +1 (715) 720 - 6114
Thrivent Financial-Lutherans W220 US-10, Arkansaw, WI 54721 +1 (715) 285 - 5595

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Cloud, WI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in La Crosse, WI, Payday Loans in Madison, WI, Payday Loan Companies in Manitowoc, WI, Payday Loans in Menomonee Falls, WI, No Credit Check Loans in Milwaukee, WI, Online Loans in New Berlin, WI, Payday Loan Without a Credit Check in Oak Creek, WI and Guaranteed Loans in Oshkosh, 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 Saint Cloud, WI.

Beautiful sights of Saint Cloud, WI

Are Payday Loans Legal In Saint Cloud, 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

Saint Cloud, WI payday loan calculator

Payday Loans in Saint Cloud, Wisconsin: A Comprehensive Guide

If you are looking for quick access to funds, payday loans are one option to consider. Payday loans are short-term loans that can help you get through tough financial times. In Wisconsin, payday loans are legal, and residents of Saint Cloud, Wisconsin, can apply and receive funds quickly and easily.

What is a Payday Loan?

A payday loan is a short-term, high-interest loan that is meant to be repaid with your next paycheck. The loans are typically for small amounts and are designed to help you bridge the gap between paychecks. They are meant to be a temporary solution to unexpected financial emergencies.

In Saint Cloud, Wisconsin, payday loans are commonly offered in stores and online. They require little documentation and often only require proof of income, identification, and a checking account. Since these loans are meant to be short-term, the repayment period is usually within 14 days or by your next paycheck.

How to Apply for a Payday Loan in Saint Cloud, Wisconsin

Applying for a payday loan in Saint Cloud, Wisconsin, is quick and easy. You can apply online or visit a storefront location. To apply, you will need to provide your personal information, including your name, address, phone number, and proof of income. You may also need to provide bank account information if you are applying online.

Once your application is approved, you can receive the funds in as little as one business day. Your repayment period will be determined by the lender and is usually due by your next paycheck. If you are unable to repay the loan in full, you may be able to request a loan extension or a payment plan to help you pay back the loan over time.

Benefits of Payday Loans in Saint Cloud, Wisconsin

Payday loans in Saint Cloud, Wisconsin, can be a helpful financial resource for many individuals. Some benefits of payday loans include:

  • Quick access to funds: Payday loans can provide funds in as little as one business day, which can be helpful in emergency situations.
  • Minimal requirements: Payday loans require little documentation, making them easy to apply for and qualify for as long as you meet the lender’s requirements.
  • No credit check: Payday loans typically do not require a credit check, making them accessible to individuals with poor credit.

Important Things to Consider Before Applying for a Payday Loan

While payday loans can be a helpful financial resource, they are not without risks. It is important to consider the following before applying for a payday loan in Saint Cloud, Wisconsin:

  • High interest rates: Payday loans come with high interest rates that can make them expensive to repay, especially if you are unable to pay back the loan within the designated repayment period.
  • Short repayment periods: Payday loans are meant to be short-term loans, typically requiring repayment within 14 days or by your next paycheck. If you are unable to repay the loan in full by the due date, you may be subject to additional fees and interest charges.
  • Risk of debt cycle: If you are unable to repay the loan in full, you may be at risk of entering into a debt cycle, where you take out additional loans to try to pay off the original loan.

Interesting Facts and Statistics about Payday Loans in Saint Cloud, Wisconsin

Here are some verified and interesting facts about payday loans in Saint Cloud, Wisconsin:

  • According to data from the Wisconsin Department of Financial Institutions, borrowers in Wisconsin took out over 687,000 payday loans in 2019, totaling over $267 million in loans.
  • The average payday loan in Wisconsin is $328, with an average annual interest rate of 528%.
  • Payday loans can be considered legal in Wisconsin, but lenders must comply with the state’s regulations, including interest rate caps and repayment periods.

Apply Now for a Payday Loan in Saint Cloud, Wisconsin

If you are in need of quick funds in Saint Cloud, Wisconsin, and are considering a payday loan, TheGuaranteedLoans can help connect you to potential lenders. Simply fill out our online application form, and we will match you with lenders who may be able to provide you with the funds you need. Remember, TheGuaranteedLoans is a connector service, not a direct lender. Our goal is to help you find the right lender to meet your financial needs.

F.A.Q.

Can borrowers be arrested or face criminal charges for defaulting on a payday loan in Saint Cloud, Wisconsin?

No, borrowers cannot be arrested or face criminal charges for defaulting on a payday loan in Saint Cloud, Wisconsin. However, the lender may pursue legal action to recover the unpaid loan amount.

What are payday loans and how do they work in Saint Cloud, Wisconsin?

Payday loans are a type of short-term, high-interest loan that is intended to help individuals cover unexpected expenses or urgent bills until their next payday. in Saint Cloud, Wisconsin, payday lenders are required to be licensed by the state and are subject to certain regulations regarding the maximum loan amount, interest rate, and fees that they can charge.