Payday Loans in Woodland, Wisconsin

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

Company nameAddressZip codePhone number
Hodag Auto Credit 705 Lincoln St, Rhinelander, WI 54501 +1 (715) 362 - 2111
Tri-State Financial Services 1480 WI-16, West Salem, WI 54669 +1 (608) 786 - 5100
Jonathan Schultz - CMG Financial Mortgage Loan Officer NMLS 253753 1200 E Capitol Dr UNIT 220, Milwaukee, WI 53211 +1 (414) 617 - 2989
Wisconsin Auto Title Loans, Inc. 728 S Military Ave, Green Bay, WI 54304 +1 (920) 499 - 8564
Heritage Bank 201 W Clark St, Spencer, WI 54479 +1 (715) 659 - 2430
CW Farm Tax and Accounting 521 Main St, Bloomer, WI 54724 +1 (715) 568 - 9880
WCCU Credit Union 1170 Prairie St, Prairie Du Sac, WI 53578 +1 (608) 643 - 0006
Citizens First Bank N16047 WI-93 Trunk, Galesville, WI 54630 +1 (608) 539 - 5900
Fox Communities Credit Union 1275 South Dr, Oshkosh, WI 54901 +1 (920) 233 - 2890
Northwestern Bank - Thorp Branch 111 N Washington St, Thorp, WI 54771 +1 (715) 669 - 5707

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Woodland, WI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in New Berlin, WI, Payday Loans in Oak Creek, WI, Bad Credit Loans in Oshkosh, WI, Payday Loan Companies in Racine, WI, 24-Hour Loan in Sheboygan, WI, Payday Loans in Sun Prairie, WI, Online Loans in Waukesha, WI and Same Day Loans in Wausau, 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 Woodland, WI.

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

53099

Are Payday Loans Legal In Woodland, 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

Woodland, WI payday loan calculator

Payday Loans in Woodland, Wisconsin

When you’re living paycheck-to-paycheck and find yourself facing unexpected expenses, it can be stressful and overwhelming. Luckily, payday loans can offer a solution to your financial woes. In Woodland, Wisconsin, payday loans are legal and can be a lifesaver for those in need of quick cash. But as with any financial decision, it’s important to understand the risks and benefits before taking out a payday loan.

What are payday loans?

Payday loans are a type of short-term loan that typically have high interest rates and fees. They are designed to be repaid on the borrower’s next payday, hence the name. These loans are often used by those with poor credit or who cannot obtain traditional loans from banks or credit unions.

Payday loans in Woodland, Wisconsin can range from $50 to $1,500, depending on the borrower’s income and other factors. They can be obtained from storefront lenders or online lenders and typically require little to no credit check.

How do payday loans work?

The process of obtaining a payday loan in Woodland, Wisconsin is fairly simple. The borrower fills out an application providing proof of income, identification, and banking information. Once approved, the lender will provide the borrower with the loan amount, which is typically deposited directly into their bank account within one business day.

The loan is then due on the borrower’s next payday, usually within two to four weeks. The borrower can either pay the loan back in full or renew the loan, which involves paying the fees and interest but not the full principal. This can quickly lead to a cycle of debt for those who cannot afford to pay back the loan in full.

The risks of payday loans

While payday loans can be a helpful tool for those in need of quick cash, they come with significant risks. The high interest rates and fees associated with payday loans can quickly add up, leading to a cycle of debt that can be difficult to break.

According to a Pew Charitable Trusts study, the average payday loan borrower takes out eight loans per year, with an average loan amount of $375. At an average interest rate of 391%, borrowers end up paying $520 in interest and fees for a $375 loan.

Additionally, many payday lenders have been accused of predatory lending practices, such as charging excessive fees and misleading borrowers about the terms of the loan. This has resulted in many states enacting legislation to regulate or even ban payday lending altogether.

Benefits of payday loans

Despite the risks, there are also benefits to payday loans. For those with poor credit or who cannot obtain traditional loans, payday loans can provide a source of quick cash to cover unexpected expenses.

Payday loans also have a quick application and approval process, meaning borrowers can obtain the money they need within a short period of time.

Interesting Facts and Statistics about Payday Loans in Woodland, Wisconsin

  • In Wisconsin, the average payday loan amount is $320, with an average annual percentage rate (APR) of 485%.
  • Wisconsin law dictates that payday lenders cannot loan more than $1,500 or 35% of the borrower’s monthly income, whichever is less.
  • As of 2019, there were 345 licensed payday lenders in Wisconsin.
  • Between 2012 and 2017, the number of payday lenders in Wisconsin decreased by 25%, while the number of online payday lenders increased by 33%.

Apply Now

If you’re in need of quick cash and are considering a payday loan in Woodland, Wisconsin, remember to weigh the risks and benefits before making a decision. TheGuaranteedLoans is here to help connect you with potential lenders who can offer payday loans that meet your specific needs. Fill out our online application to get started today!

Note: TheGuaranteedLoans is a connector service that is not a direct lender. We do not make lending decisions or determine loan terms. Instead, we connect borrowers with potential lenders who may be able to offer them a loan.

F.A.Q.

Are there any limits on the interest rates or fees that can be charged for payday loans in Woodland, Wisconsin?

Yes, the maximum interest rate that can be charged for payday loans in Woodland, Wisconsin is 28% per year, and the maximum finance charge is $15.50 for every $100 borrowed.

What is the repayment period for payday loans in Woodland, Wisconsin?

The repayment period for payday loans in Woodland, Wisconsin is 90 days.