Payday Loans in Sinsinawa, Wisconsin

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

Company nameAddressZip codePhone number
Baird Private Wealth Management 1245 Corporate Center Dr, Oconomowoc, WI 53066 +1 (800) 950 - 9320
Iron County Community Credit 5250 US-51, Mercer, WI 54547 +1 (715) 476 - 2231
First Citizens State Bank 1058 W Main St, Whitewater, WI 53190 +1 (262) 473 - 3666
Payday Loan Store 3525 E Calumet St, Appleton, WI 54915
Oshkosh Community Credit Union 250 Pearl Ave, Oshkosh, WI 54901 +1 (920) 233 - 1952
Wisconsin Auto Title Loans, Inc. 1616 W Court St, Janesville, WI 53548 +1 (608) 741 - 7046
Town Bank 102 W Main St, Albany, WI 53502 +1 (608) 862 - 3214
Payday USA 1300 N Central Ave, Marshfield, WI 54449 +1 (715) 486 - 8200
Peoples State Bank 1428 N Broadway St, Menomonie, WI 54751 +1 (715) 232 - 9311
Speedcash 206 S Roosevelt Rd Suite 114, Black River Falls, WI 54615 +1 (715) 284 - 7878

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Sinsinawa, WI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Racine, WI, Payday Loans in Sheboygan, WI, Payday Loans in Sun Prairie, WI, Payday Loans in Waukesha, WI, Payday Loan for Wausau, WI, Payday Loan for West Bend, WI, Payday Loans in Appleton, WI and Payday Loans in Beloit, 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 Sinsinawa, WI.

Beautiful sights of Sinsinawa, WI

Are Payday Loans Legal In Sinsinawa, 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

Sinsinawa, WI payday loan calculator

In Sinsinawa, Wisconsin, payday loans are legal and a popular option for individuals seeking short-term financial assistance. A payday loan is a small, unsecured loan that is due in full on the borrower’s next payday. These loans typically range from $100 to $1,500 and come with high interest rates and fees.

How Payday Loans Work

To obtain a payday loan in Sinsinawa, Wisconsin, the borrower must provide proof of income, a valid ID, and a checking account. In most cases, the borrower must also write a post-dated check for the full loan amount, plus interest and fees. The lender will hold onto this check until the loan is due, at which point they will cash it.

Payday loans are designed to be short-term solutions for unexpected expenses, such as car repairs or medical bills. The borrower may only have a few weeks to pay back the loan in full, which can be difficult for those living paycheck to paycheck.

Risks of Payday Loans

Payday loans in Sinsinawa, Wisconsin, come with high interest rates and fees, which can increase the overall cost of borrowing. These loans often trap borrowers in a cycle of debt, as they may have to take out additional loans to make ends meet.

Additionally, payday lenders do not typically report to credit bureaus, which means these loans will not improve a borrower’s credit score. In fact, defaulting on a payday loan can lead to damaged credit, wage garnishment, and even legal action.

Payday loans should be used as a last resort, and borrowers should be aware of their rights and the risks involved. In Wisconsin, payday lenders are required to disclose their rates and fees upfront and cannot charge more than $1 in interest and fees for every $5 borrowed.

Alternatives to Payday Loans

For individuals in need of short-term financial assistance, there are alternatives to payday loans in Sinsinawa, Wisconsin. These include:

  • Credit counseling
  • Negotiating payment plans with creditors
  • Using a credit card or line of credit
  • Asking for an advance on a paycheck
  • Borrowing from friends or family

These options may be less expensive and less risky than a payday loan.

Interesting Facts about Payday Loans in Sinsinawa, Wisconsin

  • The average payday loan amount in Wisconsin is $350
  • Wisconsin residents took out over 1.7 million payday loans in 2019
  • Payday loans in Wisconsin have an average interest rate of 528%

Apply Now

If you find yourself in need of short-term financial assistance, consider filling out an online application with TheGuaranteedLoans. Our team can connect you with potential lenders who can provide payday loans, installment loans, and other forms of borrowing.

Please keep in mind that TheGuaranteedLoans is not a direct lender. We are a connector service that can help you find a lender that suits your needs. Before accepting any loan offer, be sure to read the terms and conditions carefully and make sure you understand the costs involved.

Remember, payday loans should only be used as a last resort and borrowers should be aware of the risks involved. If you need financial assistance, explore all of your options and make an informed decision.

F.A.Q.

Can borrowers renew or extend their payday loans in Sinsinawa, Wisconsin?

No, borrowers cannot renew or extend their payday loans in Sinsinawa, Wisconsin. If a borrower is unable to repay the loan on time, they may be able to enter into a repayment plan with the lender.

Is there a cooling-off period for payday loans in Sinsinawa, Wisconsin?

Yes, there is a cooling-off period of 24 hours for payday loans in Sinsinawa, Wisconsin. This means that a borrower must wait at least 24 hours after repaying a payday loan before taking out another one.