Payday Loans in Brandon, Wisconsin

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

Company nameAddressZip codePhone number
Raymond James-Kelly Marshall 104 E Main St, Princeton, WI 54968 +1 (920) 295 - 4390
Associated Bank 1420 11th St, Monroe, WI 53566 +1 (608) 328 - 8101
BMO Harris Bank - Mortgage Banker Ruth Patterson 112 E Capitol Dr, Hartland, WI 53029 +1 (414) 374 - 6743
Port Washington State Bank 201 Regal Dr, Fredonia, WI 53021 +1 (262) 692 - 2444
The Peoples Community Bank 187 S Central Ave, Richland Center, WI 53581 +1 (608) 383 - 1333
State Bank of Arcadia 131 W Main St, Arcadia, WI 54612 +1 (608) 323 - 3331
Crane Finance 10940 W Forest Home Ave, Hales Corners, WI 53130 +1 (414) 525 - 8172
Principal FInancial Group/Sarah G. Unger 507 N Central Ave 1, Marshfield, WI 54449 +1 (715) 996 - 1779
Peoples State Bank 9560 WI-70, Minocqua, WI 54548 +1 (715) 358 - 7070
MoneyGram W3165 Van Roy Rd 4, Appleton, WI 54915 +1 (920) 731 - 6540

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Brandon, WI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Sheboygan, WI, Payday Loans in Sun Prairie, WI, Payday Loans in Waukesha, WI, Emergency Loan in Wausau, WI, Payday Loan Companies in West Bend, WI, Payday Loans in Appleton, WI, Payday Loans in Beloit, WI and Payday Loans in Brookfield, 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 Brandon, WI.

Beautiful sights of Brandon, WI

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

53919

Are Payday Loans Legal In Brandon, 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

Brandon, WI payday loan calculator

Payday loans have become a popular option for those in need of quick cash. These short-term loans allow borrowers to access funds quickly and easily, without the need for a credit check. If you’re in Brandon, Wisconsin, and considering a payday loan, here’s what you need to know.

How Payday Loans Work

A payday loan is a type of short-term loan that is designed to help borrowers cover unexpected expenses. These loans are typically for small amounts, ranging from a few hundred to a few thousand dollars. In exchange for the loan, the borrower agrees to pay back the loan plus interest and fees within a specific period, usually two weeks to a month.

The loan is secured by the borrower’s next paycheck. When the loan is due, the lender will automatically deduct the loan amount plus fees from the borrower’s bank account. If the borrower does not have enough money in their account, they may be charged additional fees.

Are Payday Loans Legal in Wisconsin?

Yes, payday loans are legal in Wisconsin. However, there are some regulations in place to protect borrowers. Wisconsin law limits payday loans to no more than $1,500 or 35% of the borrower’s gross monthly income, whichever is less.

Additionally, lenders cannot charge more than 15% of the loan amount in finance charges. This means that if you borrow $500, you cannot be charged more than $75 in fees. Lenders also cannot charge more than $25 in non-sufficient fund fees.

Benefits of Payday Loans

Payday loans have several benefits that make them a popular choice for those in need of quick cash:

  • Easy to qualify: Most payday lenders do not require a credit check, so borrowers with poor credit can still qualify.
  • Quick access to cash: In most cases, borrowers can get the money they need in less than 24 hours.
  • No collateral required: Payday loans are unsecured, meaning borrowers do not have to put up any collateral to secure the loan.
  • Flexible repayment options: Borrowers can choose how long they need to repay the loan, usually between two weeks and a month.

Drawbacks of Payday Loans

While payday loans have their benefits, they also have some drawbacks to consider:

  • High interest rates: Payday loans come with high-interest rates, making them an expensive option for borrowing money.
  • Short repayment terms: Borrowers must repay the loan plus interest and fees within a short period, typically two weeks to a month. This can be challenging for those with limited income.
  • Risk of cycle of debt: If borrowers are unable to pay back the loan on time, they may be forced to take out another loan to cover the original loan, leading to a cycle of debt.

Interesting Facts About Payday Loans in Brandon, Wisconsin

  • According to a report by the Wisconsin Department of Financial Institutions, there were 1,100 licensed payday lenders in the state in 2020.
  • The same report found that Wisconsin residents took out more than 304,000 payday loans in 2020, with a total of $127 million borrowed.
  • Wisconsin has some of the strictest payday lending regulations in the country, including a cap on loan amounts and fees.
  • Wisconsin law mandates that lenders must provide borrowers with a disclosure statement outlining the terms of the loan, including interest rates and fees.

Apply Now

If you’re in need of quick cash in Brandon, Wisconsin, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is simple and easy to use. We are a connector service, not a direct lender, and we work with a network of trusted lenders to help you find the right loan for your needs.

To apply, simply fill out our online application form and we’ll match you with potential lenders. If approved, you’ll receive the funds you need in as little as 24 hours.

Conclusion

If you need quick access to cash in Brandon, Wisconsin, a payday loan may be a viable option. However, it’s important to weigh the benefits and drawbacks of these loans before taking out a loan. Remember to borrow responsibly and only what you can afford to pay back.

F.A.Q.

Can I be charged late fees if I miss a payment on a payday loan in Brandon, Wisconsin?

Yes, borrowers who miss a payment on a payday loan in Brandon, Wisconsin may be charged late fees. The amount of these fees is limited to 5% of the unpaid amount, up to a maximum of $25. However, borrowers who are unable to make a payment due to financial hardship may be eligible for an extended payment plan or other forms of assistance.

Can I be charged additional fees if I pay off my payday loan early in Brandon, Wisconsin?

No, Wisconsin law prohibits lenders from charging additional fees for early repayment of a payday loan. Borrowers are free to pay off the loan at any time without incurring additional charges.