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Payday Loans in Wisconsin

Compare licensed lenders • Check WI regulations • Apply online

Last updated: June 2026

Max Loan
$1,500
Cities Covered
1
Legal Status
Legal
Population
5,893,718

Wisconsin Payday Loan Regulations

Max Loan Amount:$1,500
Max Term:90 days
Typical APR:574%
Cooling-Off:None
Rollover Allowed:Yes

Payday loans in Wisconsin are regulated by DFI. Maximum $1,500 with typical APR 574%.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

About Payday Loans in Wisconsin

Payday loans in Wisconsin are regulated by DFI. Maximum $1,500 with typical APR 574%.

Wisconsin is located in the Midwest region of the United States with a population of 5,893,718.

Key Regulations:

  • Maximum APR: 574%
  • Maximum loan amount: $1,500
  • Maximum term: 90 days
  • Rollovers allowed
  • Regulated by Wisconsin Department of Financial Institutions

Regulatory Authority: Wisconsin Department of Financial Institutions
Official Website: https://www.wdfi.org/

Representative Example APR in Wisconsin

Payday and small-dollar loan costs vary by lender, amount, and state rules. The example below shows how fees can translate into APR on a short-term loan.

Loan amount Term Fee per $100 Total repayment Equivalent APR
$500 14 days $15 $575 391%

Example only. Actual APR and total repayment in Wisconsin depend on lender pricing, term length, and state compliance limits.

Cities in Wisconsin

Milwaukee

Pop: 577,222

View Lenders →
Browse all 1 city pages in Wisconsin
Milwaukee

Frequently Asked Questions – Wisconsin

Are payday loans legal in Wisconsin?
Yes, payday loans are legal in Wisconsin. The state is regulated by the Wisconsin Department of Financial Institutions, which oversees all payday lenders. Payday loans in Wisconsin are regulated by DFI. Maximum $1,500 with typical APR 574%.
What is the maximum payday loan amount in WI?
The maximum payday loan amount in Wisconsin is $1,500. Finance charges are capped at Varies by lender. Always verify with your lender before applying.
How long do I have to repay a payday loan in Wisconsin?
In Wisconsin, payday loans typically have a maximum term of 90 days. Some lenders offer installment loans with longer repayment periods. Check specific lender terms.
Can I have multiple payday loans at once in WI?
Payday loans in Wisconsin are regulated by DFI. Maximum $1,500 with typical APR 574%.
How do I find licensed payday lenders in Wisconsin?
All payday lenders in Wisconsin must be licensed by the Wisconsin Department of Financial Institutions. You can verify a lender's license at https://www.wdfi.org/. Only work with licensed lenders to protect yourself.
What documents do I need for a payday loan in WI?
Most Wisconsin payday lenders require: (1) Valid ID (driver's license or state ID), (2) Proof of income (pay stubs or bank statements), (3) Active checking account, (4) Social Security number, (5) Proof of residence.
What is the typical APR for payday loans in Wisconsin?
In Wisconsin, the maximum APR is 574%. Actual APR varies by lender and loan amount. Always review the loan agreement for total cost before signing.
Are there alternatives to payday loans in WI?
Yes. Consider: (1) Credit union loans (often lower rates), (2) Payment plans with creditors, (3) Local assistance programs, (4) Employer cash advances, (5) Friends or family loans. Explore all options before committing to a payday loan.

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Important Legal Notice

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Wisconsin may change. Always verify current regulations with the Wisconsin Department of Financial Institutions before applying. Credizen is a comparison platform and we do not directly provide loans.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you are matched with.

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