Payday Loans in Saint Germain, Wisconsin

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

Company nameAddressZip codePhone number
Northstar Loans 6215 N Teutonia Ave, Milwaukee, WI 53209 +1 (414) 269 - 3136
CoVantage Credit Union 1670 Sunset Beach Rd, Suamico, WI 54173 +1 (800) 398 - 2667
Heartland Credit Union 105 Enterprise Dr, Verona, WI 53593 +1 (800) 362 - 3944
TitleMax Title Secured Loans 505 W Murdock Ave, Oshkosh, WI 54901 +1 (920) 212 - 3450
Traynor Claudia CPA S111 McKay Ave 2004, Spring Valley, WI 54767 +1 (715) 778 - 4500
Walmart Money Center 38020 US-18, Prairie du Chien, WI 53821 +1 (608) 326 - 2408
Home Federal Savings Bank 1870 Meadow Ln, Pewaukee, WI 53072 +1 (262) 337 - 9511
GNT Jewelry and Loan Kenosha Pawnshop 7944 Sheridan Rd UNIT 3, Kenosha, WI 53143 +1 (262) 653 - 9200
Flexible Finance Loan Center 4750 N 76th St, Milwaukee, WI 53218 +1 (414) 312 - 8205
Check n Go 1823 Geneva St Suite C, Delavan, WI 53115 +1 (262) 728 - 1953

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Germain, WI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Brookfield, WI, Payday Loans in Eau Claire, WI, Payday Loans in Fond du Lac, WI, Payday Loans in Franklin, WI, Guaranteed Loans in Green Bay, WI, Emergency Loan in Janesville, WI, Payday Loans in Kenosha, WI and Payday Loans in La Crosse, 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 Germain, WI.

Beautiful sights of Saint Germain, WI

Are Payday Loans Legal In Saint Germain, 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 Germain, WI payday loan calculator

Payday Loans in Saint Germain, Wisconsin

If you are living in Saint Germain, Wisconsin, and experiencing a financial emergency, you may be considering a payday loan. Payday loans can provide quick access to cash, but they come with risks and disadvantages as well. We’ve compiled information to help you make an informed decision before applying for a payday loan in Saint Germain.

How do payday loans work in Saint Germain, Wisconsin?

In Wisconsin, payday loans are legal but there are regulations in place to protect consumers. Payday loans are capped at a maximum of $1,500 and cannot exceed 35% of a borrower’s gross monthly income. Additionally, fees are also regulated, with a maximum fee of $15 for every $100 borrowed or 15% of the loan amount.

When you apply for a payday loan, you will typically need to provide proof of income and a valid ID. The lender will then assess your application and determine if you qualify for a loan. If approved, you will receive the funds directly into your bank account, typically within one business day.

What are the risks of payday loans?

While payday loans can offer financial relief, there are risks associated with these loans. The primary risk is that payday loans come with exorbitant interest rates and fees, which can leave borrowers in a cycle of debt if they are unable to repay the loan on time. Additionally, some lenders may engage in predatory practices and take advantage of vulnerable individuals.

It’s important to carefully review the terms and conditions of any loan before accepting it. Make sure you understand the interest rate, fees, repayment terms, and any potential penalties for late or missed payments.

Alternatives to payday loans

If you’re considering a payday loan, it’s worth exploring alternatives that may be more affordable and less risky. Consider the following options:

  • Credit unions: Many credit unions offer small-dollar loans with lower interest rates and fees than payday loans.
  • Personal loans: Your bank or credit card provider may offer personal loans with more favorable terms than payday loans.
  • Payment plans: Some creditors may be willing to work out a payment plan if you’re experiencing financial hardship.

Facts and statistics about payday loans in Saint Germain, Wisconsin

  • In the state of Wisconsin, the average payday loan amount is $320.
  • Wisconsin has the highest payday loan interest rates in the country, with an average annual interest rate of 486%.
  • In 2019, Wisconsin residents took out more than 1.1 million payday loans.
  • The average payday loan term in Wisconsin is 13 days.

Apply Now

If you have weighed the risks and benefits of payday loans and decide to apply, TheGuaranteedLoans can help connect you with potential lenders. Please note that we are not a direct lender and we do not make credit decisions. We simply facilitate connections between borrowers and lenders. To apply for a payday loan in Saint Germain, Wisconsin, fill out our online application form today.

F.A.Q.

What are the maximum loan amounts and fees for payday loans in Saint Germain, Wisconsin?

The maximum loan amount for a payday loan in Saint Germain, Wisconsin is $1,500, and the maximum fees that a payday lender can charge are $15.50 per $100 borrowed. This means that if you borrow $500, the maximum fee you could be charged is $77.50.

Are there any alternatives to payday loans in Saint Germain, Wisconsin?

Yes, there are several alternatives to payday loans in Saint Germain, Wisconsin that may be more affordable and less risky. For example, you could try negotiating with your creditors for more time to pay your bills, or you could consider borrowing money from a family member or friend. Other alternatives include applying for a small personal loan from a bank or credit union, or seeking assistance from a nonprofit credit counseling agency.