Payday loans in Madison, Wisconsin |
Madison wisconsin

Compare your loan options in Madison, Wisconsin

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Here’s what you should know before you apply for a payday loan in Madison, Wisconsin.

If you have less-than-perfect credit and find yourself in a financial emergency, you might be looking for an alternative to a traditional bank loan. A payday loan could get you through a rough patch, but you’ll need to understand how they work before you apply. If you’re thinking about applying for one, take some time to read our guide.

Check into Cash Payday Loan

Check Into Cash Loans

Check Into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure!

    What do I need to know about payday loans in Madison?

    Payday lenders have to abide by the Wisconsin statutes that regulate the industry whether they offer loan in-store or online. You can borrow the lesser of $1,500 or 35% of your gross monthly income for a period of 90 days or less. Wisconsin doesn’t limit the amount you have out at once provided it totals less than the maximum amount, and there is no limit on how much a lender can charge you in interest.

    Before you borrow, read up on all of Wisconsin’s laws

    Online lenders offering payday loans in Wisconsin

    Rates last updated December 10th, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    1–2 days
    Must have an active checking account, regular source of income and email address.
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    1 business day
    Must have direct deposit and meet minimum income requirements.
    LendYou Short-term Loans
    Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    ACE Cash Express Short-term Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

    Compare up to 4 providers

    What to consider before applying for a payday loan in Madison

    • Long loan terms. You have up to 90 days to repay your loan. If your lender offers you less, try and negotiate a longer term so you have more time to repay and are less likely to need to roll over your loan or go on a payment plan.
    • You can roll over your loan. If you can’t make the payment deadline set by your lender, you can roll over your loan once. This will likely incur extra fees, but it will give you more time to pay off your debt.
    • Payment plans available. Once every 12 months, you are able to request a payment plan. This breaks the remaining loan balance into four equal chunks that you pay over installments, making it easier to handle large amounts of debt.

    Luke's unexpected travel expenses

    Luke had to travel out of town, but since he’d already paid all his bills and wasn’t going to get his paycheck for another two weeks, he decided to opt for a payday loan. Luke only needed $250 for his travel expenses so he visited a local store and applied with the help of a lender. After filling out the application, Luke was approved.

    He read over the loan contract and found that he would need to pay $62.50 in fees, bringing his total up to $312.50. Luke left a check for the total amount. It was cashed on the due date two weeks later and went through without a problem so Luke didn’t have to pay the $15 non-sufficient funds (NSF) fee.

    Ready to apply for a payday loan in Madison?

    If you want to apply for a payday loan, you’ll need to have a regular source of income, be at least 18 years old and be a citzen or permanent resident of the US.

    Once you’re ready to fill out the application, be prepared to submit some personal information. This includes your Social Security number, your date of birth and information about your employment. This is so lenders can confirm your identity when they issue you a loan.

    There are options besides payday loans if you aren’t ready for a loan

    Payday loan stores in Madison, Wisconsin

    Where you can get a payday loan around Madison

    • Advance America. 2616 E Washington Ave, Madison, WI 53704, USA
    • Advance America. 2831 Parmenter St Ste. #165, Middleton, WI 53562, USA
    • Cash Store. 1111 N Sherman Ave, Madison, WI 53704, USA
    • Cash Store. 1515 Madison Ave, Fort Atkinson, WI 53538, USA
    • Cash Store. 2083 McCoy Rd, Sun Prairie, WI 53590, USA
    • Cash Store. 2401 W Broadway, Monona, WI 53713, USA
    • Check Advance. 2372 Jackson St, Stoughton, WI 53589, USA
    • Check Into Cash. 3046 Fish Hatchery Rd Suite A, Fitchburg, WI 53713, USA
    • Check ‘N Go. 2103 Zeier Rd, Madison, WI 53704, USA
    • Check ‘N Go. 512 Grand Canyon Dr, Madison, WI 53719, USA
    • Citizens Finance. 1765 Thierer Rd, Madison, WI 53704, USA
    • Loanmax Title Loans. 3066 E Washington Ave, Madison, WI 53704, USA
    • National Quik Cash. 2925 E Washington Ave, Madison, WI 53704, USA
    • OneMain Financial. 4261 Lien Rd Ste S, Madison, WI 53704, USA
    • PLS Check Cashing & Transportation Services. 1907 S Park St, Madison, WI 53713, USA
    • PLS Check Cashing & Transportation Services. 2722 E Washington Ave, Madison, WI 53704, USA
    • Rehabilitation Loans. 215 Martin Luther King Jr Blvd, Madison, WI 53703, USA
    • Wisconsin Auto Title Loans, Inc. 3059 E Washington Ave, Madison, WI 53704, USA

    How much will a payday loan cost me?

    How much a loan ends up costing depends on how much you borrow and what the terms of the loan contract are. Because Wisconsin sets the limit you can borrow at either $1,500 or 35% of your gross monthly income, total loan costs vary from person to person. In addition to these variables, Wisconsin doesn’t set a limit on how much a lender can charge you in financing fees and interest. This means one lender could charge 10% and another could charge 25%.

    Because so much of the cost is dependent on the person getting the loan, the best way to know how much a loan will cost is to read your loan contract carefully. If you don’t like what you’re offered, compare other lenders to find a deal better suited to your needs and income.

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    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

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