Wisconsin Payday & Title Loan Laws
Wisconsin permits payday lending under a state licensing framework.
Payday loan rules in Wisconsin
Car title loan rules in Wisconsin
What this means for borrowers in Wisconsin
In Wisconsin, a payday loan is capped at Aggregate ≤$1,500 or 35% gross monthly income, with a maximum cost of No cap before maturity; 2.75%/mo after maturity. Because these loans carry very high effective annual rates, compare a lower-cost installment loan or a credit-union alternative first. Always confirm a lender's license and read the full cost of borrowing before signing, and use our qualification checker to see what you may be eligible for.
Regulatory notes: Wis. Stat. 138.14, 90-day max term noted by tracker
Source: NCSL + NCLC 2025 APR Report
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Frequently asked questions
Are payday loans legal in Wisconsin?
Wisconsin permits payday lending under a state licensing framework.
What is the maximum payday loan in Wisconsin?
The maximum payday loan amount is Aggregate ≤$1,500 or 35% gross monthly income.
How much can a payday lender charge in Wisconsin?
The maximum fee or rate is No cap before maturity; 2.75%/mo after maturity.