Payday Loans in Catawba, Wisconsin

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

Company nameAddressZip codePhone number
Johnson Financial Group 340 S Main St, Rice Lake, WI 54868 +1 (715) 736 - 4700
State Bank of Cross Plains - Verona 108 N Main St, Verona, WI 53593 +1 (608) 845 - 6486
U.S. Bank: Steven Baker 450 E Main St, Wautoma, WI 54982 +1 (920) 787 - 7287
Loanmax Title Loans 4608 75th St, Kenosha, WI 53142 +1 (262) 948 - 3710
Raymond James Financial Services 310 Madison Ave, Cascade, WI 53011 +1 (920) 528 - 8325
Community First Credit Union 2772 Oregon St, Oshkosh, WI 54902 +1 (920) 830 - 7200
Check `n Go 2521 Milton Ave, Janesville, WI 53545 +1 (608) 752 - 7100
Johnson Financial Group 101 W Chestnut St, Burlington, WI 53105 +1 (262) 757 - 1150
Regional Finance 8651 S Howell Ave, Oak Creek, WI 53154 +1 (414) 762 - 5030
Heights Finance Corporation 2488 S Main St, Rice Lake, WI 54868 +1 (715) 234 - 7388

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Catawba, WI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Franklin, WI, Payday Loan Without a Credit Check in Green Bay, WI, Payday Loan for Janesville, WI, No Credit Check Loans in Kenosha, WI, Payday Loans in La Crosse, WI, Payday Loans in Madison, WI, Payday Loans in Manitowoc, WI and Payday Loans in Menomonee Falls, 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 Catawba, WI.

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

54515

Are Payday Loans Legal In Catawba, 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

Catawba, WI payday loan calculator

Advise to read before applying

Payday Loans in Catawba, Wisconsin: Everything You Need to Know

If you’re looking for quick access to cash in Catawba, Wisconsin, payday loans may be one option you’re considering. In this comprehensive guide, we’ll go over what payday loans are, how they work, the laws governing them in Wisconsin, and the benefits and drawbacks of using them.

What are Payday Loans?

Payday loans are short-term loans typically used when a borrower needs quick access to cash for unexpected expenses. These loans are usually due on the borrower’s next payday and require the borrower to repay the total amount borrowed, plus a fee.

How do Payday Loans Work?

To apply for a payday loan, a borrower must provide proof of income, a valid ID, and a checking account. The lender then determines the maximum loan amount the borrower is eligible for. If the borrower agrees to the terms, the loan is deposited directly into their checking account. When it’s time to repay the loan, the lender automatically withdraws the total amount borrowed plus the fee from the borrower’s account on the due date.

Payday Loan Laws in Wisconsin

In Wisconsin, payday loans are legal and regulated under Wisconsin Statutes 138.14. These laws limit the amount payday lenders can charge for fees and interest rates. Borrowers can only take out one payday loan at a time with a maximum loan amount of $1,500.

The Pros and Cons of Payday Loans

While payday loans may provide quick access to cash, there are both benefits and drawbacks to using them.

Pros:

  • Quick access to cash when needed
  • No collateral required
  • No credit check required

Cons:

  • High fees and interest rates
  • Can perpetuate a cycle of debt for borrowers unable to repay the loan on time
  • Limited loan amounts

Interesting Facts and Statistics about Payday Loans in Catawba, Wisconsin

  • According to a report by the Center for Responsible Lending, the average payday loan borrower in Wisconsin takes out 12 loans per year, resulting in an average of $520 in fees paid.
  • In Wisconsin, there are around 400 payday lending storefronts, with several located near military bases, where payday loans can be especially harmful to military members experiencing financial stress.
  • In 2020, Wisconsin payday lenders made over 80,000 loans, with an average annual interest rate of 528%.

Apply Now

If you’re considering a payday loan in Catawba, Wisconsin, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is simple and easy to use. Keep in mind that we are a connector service and not a direct lender, and that fees and interest rates vary depending on the lender. Apply now and get the cash you need, when you need it.

F.A.Q.

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

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

Are there any restrictions on the use of payday loan proceeds in Catawba, Wisconsin?

Yes, payday loan proceeds in Catawba, Wisconsin can only be used for emergency expenses or unexpected financial needs. Borrowers cannot use the proceeds for everyday expenses or non-emergency expenses.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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