Payday Loans in Thiensville, Wisconsin

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

Company nameAddressZip codePhone number
Kohler Credit Union - Kohler 850 Woodlake Rd, Kohler, WI 53044 +1 (888) 528 - 2595
Summit Credit Union 2105 McComb Rd, Stoughton, WI 53589 +1 (608) 243 - 5000
Jackson Hewitt Tax Service 1600 W Wisconsin St, Sparta, WI 54656 +1 (608) 399 - 6066
Associated Bank 728 Williams St, Lake Geneva, WI 53147 +1 (262) 249 - 4340
Northwoods Community CU 121 Main St W, Ashland, WI 54806 +1 (715) 682 - 9099
Bank First 2915 Custer St, Manitowoc, WI 54220 +1 (920) 652 - 3110
Greenwoods State Bank 401 W Coates Ave, Monticello, WI 53570 +1 (608) 938 - 2265
Wells Fargo Equipment Finance 2574 Sun Valley Dr # 107, Delafield, WI 53018 +1 (262) 646 - 9390
First National Bank and Trust 218 N Walworth St, Darien, WI 53114 +1 (262) 882 - 5580
Walmart Money Center 1133 N Main St, Viroqua, WI 54665 +1 (608) 637 - 8511

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Thiensville, WI

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

53092

Are Payday Loans Legal In Thiensville, 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

Thiensville, WI payday loan calculator

Payday Loans in Thiensville, Wisconsin – A Comprehensive Guide

If you’re a resident of Thiensville, Wisconsin, and find yourself in a financial fix, you may consider a payday loan as a possible solution. Payday loans are a viable option to meet an immediate cash requirement. However, it’s crucial to understand the pros and cons of payday loans before applying for them. In this article, we’ll guide you through all the aspects of payday loans in Thiensville, Wisconsin.

What are Payday Loans?

Payday loans are short-term loans, usually for small amounts, to cover unexpected expenses until your next payday. These loans usually have a repayment term of a few weeks or months, and the lender requires the borrower to write a post-dated check for the loan amount and fees before disbursing the loan. The lender cashes the check on the borrower’s payday to recover their money.

Payday loans usually don’t require a credit check, and the application process is quick and straightforward. The lender usually requires the borrower to have a steady income source and a checking account.

Are Payday Loans Legal in Thiensville, Wisconsin?

Yes, payday loans are legal in Wisconsin, including Thiensville. However, the Wisconsin Department of Financial Services caps the loan amount at $1,500 or 35% of the borrower’s gross monthly income, whichever is less. The lender also cannot charge more than 15% interest on the loan amount.

The Pros and Cons of Payday Loans

Like any other loan product, payday loans have their advantages and disadvantages. Here are the pros and cons of payday loans:

Pros

  • Quick Access to Cash: Payday loans offer a fast and easy way to get money when you need it the most.
  • No Credit Check: Most payday lenders don’t run a credit check, making payday loans an option for borrowers with poor or no credit history.
  • No Collateral Required: Payday loans are usually unsecured, so you don’t have to pledge any collateral to get the loan.

Cons

  • High Cost: Payday loans usually come with high-interest rates and fees, making them an expensive option to borrow money.
  • Short Repayment Term: Payday loans usually have a short repayment term of a few weeks or months, making it challenging to repay the loan on time.
  • Trap of Debt Cycle: If you’re not able to repay the loan on time, the lender rolls over the loan, adding up more fees and interest, trapping you in a debt cycle.

How to Apply for Payday Loans in Thiensville, Wisconsin?

Applying for payday loans in Thiensville, Wisconsin, is a simple and straightforward process. Here’s how to apply:

  • Find a reputable lender: Look for a lender who complies with the Wisconsin Department of Financial Services’ regulations and offers reasonable interest rates and fees.
  • Fill out the application: Fill out the lender’s online or physical application form with your personal and financial information.
  • Provide Documentation: The lender may require proof of your income and identity, such as your pay stubs, bank statements, and photo ID.
  • Sign the agreement: If the lender approves your loan, read the loan agreement carefully and sign it only if you agree to the terms and conditions.
  • Get the Funds: The lender usually disburses the funds within one business day after approving your loan.

Interesting Facts and Statistics about Payday Loans in Thiensville, Wisconsin

  • In 2020, consumers in Wisconsin took out over 800,000 payday loans, totaling more than $317 million.
  • The average payday loan amount in Wisconsin was $371, and the average annual interest rate was 528.8%.
  • Wisconsin law caps the annual interest rate on payday loans at 542%, including fees.

Apply Now

If you’re considering a payday loan in Thiensville, Wisconsin, and want to apply, TheGuaranteedLoans can help you connect with a reputable lender. Fill out our online application form, and we’ll forward it to our network of lenders. Remember, we’re a connector service, not a direct lender, and our service is free for borrowers.

Conclusion

Payday loans can be a quick and easy way to get out of a financial emergency, but they come with high-interest rates and fees. Before applying for a payday loan in Thiensville, Wisconsin, consider alternative options like borrowing from family or friends, negotiating a payment plan with your creditor, or seeking assistance from a nonprofit credit counseling agency. If you do decide to get a payday loan, make sure to borrow only what you can repay and read the terms and conditions carefully.

F.A.Q.

Can I get a payday loan if I am currently in bankruptcy?

No, it is illegal for payday lenders to offer loans to individuals who are currently in bankruptcy.

What should I do if I am having trouble repaying my payday loan in Thiensville, Wisconsin?

If you are having trouble repaying your payday loan in Thiensville, Wisconsin, you should contact the lender as soon as possible to discuss your options. You may be able to work out a repayment plan or seek assistance from a consumer credit counseling service.