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US Cash Advance is a direct payday lender serving Wisconsin residents, including Milwaukee, Madison, and Appleton. Apply online in minutes for a payday loan, with a decision the same business day.
Wisconsin payday loans at a glance: Payday loans are legal in Wisconsin and regulated by the Wisconsin Department of Financial Institutions under WI Stat § 138.14 (2025). Lenders must disclose the full APR and due date before you sign.
Rules current as of August 2026.
Governing law: WI Stat § 138.14 (2025)
There is no cap on the interest rate that a licensee may charge before the maturity date of a payday loan in Wisconsin. The maximum loan term is 90 days, and lenders must be licensed as per WI Stat § 138.14 (2025).
Wisconsin does not cap the interest rate on a payday loan before it comes due. Wis. Stat. § 138.14(10)(a) states that “this section imposes no limit on the interest that a licensee may charge before the maturity date of a payday loan,” so the cost is set by the lender, not by law - ask for the exact APR in writing before you sign. Wisconsin does set other limits: a licensee may not lend more than “$1,500 or 35 percent of the customer’s gross monthly income, whichever is less,” for a term of “90 days or less.” After the maturity date a licensee may charge “interest at a rate not exceeding 2.75 percent per month.”
Wisconsin residents should be aware that payday loans can have high interest rates, as there is no APR cap before maturity. Ensure the lender is licensed under WI Stat § 138.14.
Consumers should verify the lender's license through the Wisconsin Department of Financial Institutions. There are no specific rollover or cooling-off period protections mentioned in the statute.
Verify Lender License: https://law.justia.com/codes/wisconsin/chapter-138/section-138-14/
| Federal Protection | What It Means | Who It Covers |
|---|---|---|
| CFPB Payday Rule | The CFPB issued a regulation adopting a two-strikes-and-you’re-out rule for covered lenders. Under that rule, after two tries to withdraw money from a borrower’s account have failed, covered lenders can’t try again unless the borrower specifically authorizes another attempt. | All states |
| Military Lending Act (MLA) | 36% MAPR cap. The Military Lending Act (MLA) limits the amount a creditor may charge, including interest, fees, and charges imposed for credit insurance, debt cancellation and suspension, and other credit-related ancillary products sold in connection with the transaction. The total charge, as expressed through an annualized rate referred to as the Military Annual Percentage Rate (MAPR), may not exceed 36 percent. | Active-duty service members |
| Electronic Fund Transfer Act (EFTA) | A lender cannot require you to repay by automatic bank (ACH) debit as a condition of getting the loan. You may choose another way to pay. | All states |
CFPB rule source: https://www.consumerfinance.gov/payday-rule/
Yes. Payday lending is legal in Wisconsin, regulated under WI Stat § 138.14 (2025). Licensed lenders must follow the state's limits on loan amounts, terms, and fees, and disclose the full APR and due date before you sign. Confirm a lender is state-licensed before you borrow.
No. Wisconsin does not set a maximum APR on payday loans under WI Stat § 138.14 (2025). Because there is no rate cap, effective APRs on these short-term loans are often several hundred percent. Compare the total dollar cost and the repayment date in the loan agreement before you accept an offer.
In Wisconsin, a payday loan term runs up to 90 days under WI Stat § 138.14 (2025). The due date is usually tied to your next payday and is stated in your loan agreement. Repaying on time avoids rollover fees and extra finance charges.
Explore the full US Cash Advance suite of short-term lending options: Payday Loans, Cash Advance, Bad Credit Loans, Same Day Loans, Debt Consolidation, or find a location near you in our Wisconsin Locations Directory.