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Payday loan laws in Wisconsin

  • Status: Legal (Wis. Stat. 138.14)
For Lenders

Lending specifications:

  • Maximum loan amount: $1,500 including fees or 35% gross monthly income; which is lesser
  • Loan tenure: 90 days or less
  • Fees and finance charges: No limit
  • Finance charge on a 14-day $100 loan: No limit
  • APR on 14-day $100 loan: No limit

Collection restrictions:

  • Collection fees: $15 NSF fee
  • Criminal procedures: Prohibited
For Borrowers

Debt limits:

  • Maximum no. of outstanding loans at a time: No limit
  • Rollovers allowed: One
  • Cooling-off period: 24 hours after paying renewed loans
  • Repayment plan: Available (4 equal installments at no additional cost)

Complaint cell:

  • Regulator: Wisconsin Department of Financial Institutions
  • Address: Wisconsin Consumer Act Section, P.O. Box 8041 Madison WI 53708
  • Phone: (608) 261-9555
  • Fax: (608) 261-7200
  • Regulatory contact: Paul Egide, Consumer Act Director
  • Website: www.wdfi.org
  • File complaint: www.wdfi.org/wca/consumer
    _credit/complaints_and_questions.htm



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Disclaimer: The contents of this web site are not intended to establish an attorney-client relationship, provide the reader with legal advice, or substitute for legal advice from an attorney.
  • The debt settlement program typically lasts between 6 months to 4 years time.
  • At least 30% of the debt amount per creditor needs to be accumulated in the trust account for OVLG to give the creditor any settlement offer.
  • Not all creditors or debt collectors will accept a reduction in the balance, interest rate, or fees a customer owes such creditor or debt collector.
  • Pending completion of the represented debt-relief services, the customer's creditors or debt collectors may pursue collection efforts, including initiation of lawsuits.
  • That the use of the debt-relief service will likely adversely affect the consumer's creditworthiness, may result in consumers being sued by their creditors, and may increase the amount owed to creditors as a result of the accrual of additional fees and interest.
  • Savings a customer realizes from use of a debt-relief service may be taxable income.
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