Payday Loans in Winnebago, Wisconsin

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

Company nameAddressZip codePhone number
The Peoples Community Bank 222 W Commercial St, Mazomanie, WI 53560 +1 (608) 795 - 2120
BMO Harris Bank 203 S Main St, Westfield, WI 53964 +1 (608) 296 - 2161
Waukesha State Bank 3293 Golf Rd, Delafield, WI 53018 +1 (262) 646 - 5000
Nicolet National Bank 325 W Pine St, Eagle River, WI 54521 +1 (715) 479 - 8484
Compeer Financial 2600 Jenny Wren Trail, Sun Prairie, WI 53590 +1 (608) 825 - 2400
ATM Associated Bank 501 S Webb St, Wittenberg, WI 54499
Pawn America 1753 Thierer Rd, Madison, WI 53704 +1 (608) 241 - 7006
Check Advance - Closed 601 N Superior Ave 4, Tomah, WI 54660 +1 (608) 374 - 3448
Denmark State Bank - Reedsville 427 Manitowoc St, Reedsville, WI 54230 +1 (920) 863 - 2161
Check Advance 380 S Koeller St, Oshkosh, WI 54902 +1 (920) 424 - 9952

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Winnebago, WI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Manitowoc, WI, Payday Loans in Menomonee Falls, WI, Emergency Loan in Milwaukee, WI, Payday Loans in New Berlin, WI, Payday Loans in Oak Creek, WI, Payday Loans in Oshkosh, WI, Payday Loan Without a Credit Check in Racine, WI and Payday Loans in Sheboygan, 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 Winnebago, WI.

Beautiful sights of Winnebago, WI

Are Payday Loans Legal In Winnebago, 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

Winnebago, WI payday loan calculator

What Are Payday Loans?

If you’re in a financial pinch and need cash quickly, payday loans might seem like an attractive option. These short-term loans, which are typically due on your next payday, allow you to borrow a small amount of money to cover emergency expenses such as rent, utilities, or medical bills. In Winnebago, Wisconsin, payday loans are legal and regulated under state law.

How Do Payday Loans Work?

When you apply for a payday loan, you’ll typically need to provide proof of income, such as a recent pay stub, and a valid form of identification. The lender will analyze your income and expenses to determine how much money you can borrow and what fees and interest rates will apply.

If you’re approved, you’ll receive the loan amount in cash or as a deposit into your bank account. You’ll be required to repay the loan, plus fees and interest, on your next payday. If you can’t repay the loan on time, you may be subject to additional fees and interest charges.

What Are the Benefits and Risks of Payday Loans?

Payday loans can be a useful tool for consumers who need short-term cash to cover emergency expenses. They’re quick and easy to obtain, and you don’t need good credit to qualify. However, payday loans also come with high fees and interest rates. In Wisconsin, lenders can charge up to $15.50 in fees per $100 borrowed, with an annual percentage rate (APR) of up to 528%.

Another risk of payday loans is the potential for a debt cycle. If you’re unable to repay the loan on time, you may be tempted to roll it over or take out a new loan to cover the payment. This can lead to a cycle of debt that’s difficult to break free from.

How Do Payday Loans Compare to Other Types of Loans?

Payday loans are typically more expensive than other types of loans, such as personal loans or credit cards. However, they can be a good option if you need cash quickly and don’t have good credit. If you have good credit, you may be able to get a lower interest rate on a personal loan or use a credit card with a promotional 0% APR offer.

Are There Alternatives to Payday Loans?

If you’re considering a payday loan, it’s important to explore all of your options. Depending on your situation, you may be eligible for assistance programs such as Medicaid or SNAP that can help cover your expenses. You can also reach out to local organizations or charities for help.

If you have good credit, you may be able to get a personal loan or use a credit card with a lower interest rate. You can also try negotiating with your creditors to see if they’ll allow you to make smaller payments over a longer period of time.

Interesting Facts and Statistics About Payday Loans in Winnebago, Wisconsin

  • Wisconsin law caps payday loan amounts at $1,500 or 35% of monthly gross income, whichever is less.
  • In 2019, Wisconsinites took out more than 450,000 payday loans, totaling over $166 million.
  • The average payday loan in Wisconsin has a term of two weeks and a fee of $54.58.
  • The payday loan industry in Wisconsin employs over 3,500 people and generates more than $330 million in economic activity.

Apply Now for a Payday Loan in Winnebago, Wisconsin

If you’re considering a payday loan, TheGuaranteedLoans can help connect you with potential lenders. We’re a connector service, not a direct lender, and our goal is to help you find the best loan option for your needs and budget. To get started, fill out our online application form. Once you submit your information, we’ll provide you with a list of potential lenders who may be able to help.

It’s important to remember that payday loans come with high fees and interest rates, so you should only borrow what you can afford to repay on your next payday. Make sure you understand all of the terms and conditions of the loan before you sign on the dotted line. And if you’re unable to repay the loan on time, don’t hesitate to reach out to your lender to discuss your options.

F.A.Q.

Can payday loan providers require me to provide personal references to apply for a loan in Winnebago, Wisconsin?

Yes, payday loan providers in Winnebago, Wisconsin may require you to provide personal references to apply for a loan. This is to verify your identity and to confirm your income and employment. Personal references are typically friends or family members who can vouch for your character and financial situation.

What is a payday loan and how does it work in Winnebago, Wisconsin?

A payday loan is a short-term, unsecured loan that is intended to help individuals cover unexpected expenses or urgent bills. in Winnebago, Wisconsin, payday lenders are required to be licensed and regulated by the state's Department of Financial Institutions. Borrowers must provide proof of income and a valid checking account in order to apply for a payday loan.