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online payday loans in wisconsin

Get Payday Loans in Wisconsin with Bad Credit

Payday loans in Wisconsin are gaining attraction due to their straightforward application procedure, the absence of hard credit checks, and the possibility of receiving funds on the same day. Opt for online payday loans and installment loans in WI for bad credit through 15M Finance. Put your financial worries to rest with ease and efficiency!

Wisconsin Payday Loans Near Me

Looking for a licensed lender in Wisconsin with an instant approval decision? We are here to connect you with them. Apply online or via phone and enjoy same-day deposits. Our services are available for Wisconsin residents in the following cities:

400 S 5th St suite 150, Milwaukee, WI 53204

(414) 485-2883 Learn More

2600 W College Ave ste 1C, Appleton, WI 54914

(920) 944-6307 Learn More

1996 Eastridge Center, Eau Claire, WI 54701

(715) 519-8095 Learn More

15M: Best Online Payday Loans in Wisconsin

Need financial support by your next payday? 15M Finance is a company that aims to connect you with a licensed lender who can provide you with extra cash. Our business is designed to make Wisconsin loans available for everyone. Your credit score doesn’t matter, so our borrowers can qualify even with poor or bad credit.

We work under a Wisconsin license and provide excellent service for our customers.

Our customers can enjoy the following financial solutions we offer:

No-credit-check loans; Small-dollar loans; Installment loans; Emergency cash loans; Payday loans for bad credit; Same-day payday loans; Tribal loans for bad credit, and others.

Whichever option you choose, always remember about responsible borrowing. Don’t take expensive loans if your financial situation prevents you from managing their repayment.

Simpler than You Think: How Payday Loans Online in Wisconsin Work?

People typically choose payday loans online in Wisconsin due to the simple application process and fast funding. Take the following three steps and get the money the next business day.

Step 1

Fill out the payday loan application form on our website. Check whether the entered data is correct and submit the form. Once received, we will process it and send it to multiple lenders.

Step 2

Get an almost instant decision from a licensed lender. It usually takes up to 30 minutes after submitting an application.

Step 3

If approved, the funds will be deposited into your checking account within 24 hours. Some lenders may even make a same-day deposit.

Rates and Terms of Payday Loans in Wisconsin Online

Payday loans are known as expensive financial solutions. Their interest rates and fees can differ depending on the state and loan provider. Wisconsin has no interest rate caps on payday loans. You will typically be charged $10-$30 for each $100 borrowed. Thus, interest rates can exceed 400% APR, and particular lenders may charge origination fees and other extra payments. The repayment terms may be up to 90 days.

Security and Privacy of Wisconsin Payday Loans Online

While security is the most important thing when it comes to payday loans in Wisconsin, 15M Finance focuses on providing a safe loan process with secure data protection. In addition to using SSL encryption, our systems have established controls to limit access to your private information to only those employees (or representatives acting under confidentiality agreements) who need it to assist you with all the necessary issues.

A Data Protection Officer (DPO) certificate proves our responsibility in issues related to your information security.

Benefits of 15M Finance Wisconsin Online Payday Loans

When looking for extra cash to deal with emergencies, online loans by your next paycheck from 15M Finance may be your best solution! Why? Read about several benefits you will get from working with us!

Find a Direct Lender for Online Payday Loans in Wisconsin

Our company cooperates only with reputable direct lenders in WI. Our providers are here to make your financial life easier and stress-free. No third parties are involved, and no extra fees charged.

Get Fast Funding within 24 Hours

Most lenders deposit approved borrowers directly into a bank account the next business day. This is an excellent option for dealing with financial emergencies, like unexpected medical bills, car repairs, or utilities.

Apply for a Payday Loan in WI with No Credit Check

15M Finance works with lenders who can approve you without performing a hard credit inquiry. They assess your income and creditworthiness, called a soft credit pull.

Cover Financial Needs with Bad Credit

At 15M Finance, you may be eligible even with a poor or bad credit score. While this can make you unable to borrow from traditional lenders, our company considers factors other than your credit rating (income, creditworthiness, employment status, etc.).

Alternatives to Payday Loans in Wisconsin

While payday loans can help you deal with financial emergencies, their high costs and short repayment terms may be an obstacle. Before borrowing money from a payday lender, consider a few alternative options.

Wisconsin Installment Loans

A Wisconsin installment loan is a form of an unsecured personal loan that does not require a good or excellent credit score. You can get it as one deposit and repay it through equal monthly payments, also known as installments. Wisconsin installment loans usually have lower interest rates than payday loans, so you will usually pay 16%- 100% APR.

Online installment loan amounts typically vary between $500 and $5,000, so this type of loan can be used for various purposes, including major purchases, medical bills, car or home repairs, etc.

Wisconsin Personal Loans

Personal loans work like installment loans, where you receive a lump sum payment from a lender and then need to pay it back with interest rates and, in some cases, fees. Those fees may include prepayment penalties, origination fees, late fees, and others.

Personal loan options are the cheapest compared to Wisconsin installment and payday loans. They allow you to borrow up to $100,000, and interest rates usually don’t exceed 36% APR. However, you will need to have a good credit history to qualify.

Credit Cards

A credit card is the most known borrowing option in the U.S. It allows you to access a revolving line of credit and get funds for your emergencies. When using credit cards, be careful to avoid overspending and make an on-time payment each month to avoid late fees.

Community Resources and Assistance Programs

As an alternative to payday loans, you can also submit a request for participation in one of the assistance programs in WI. They include various housing assistance programs, professional training programs, food banks, etc. With their support, you can get temporary financial assistance or childcare payments. These organizations can even cover your bills and provide feeding.


How to qualify for a payday loan in WI?

To qualify for a payday loan in Wisconsin, you must be a U.S. citizen or a permanent resident, at least 18 years old, with a reliable source of income. Additionally, you need to possess an active bank account, a valid phone number, and an email address.

How much will I pay for interest rates and fees for a payday loan in Wisconsin?

The payday loan cost in Wisconsin varies by lender, but typically, borrowers are charged between $10 and $30 for every $100 borrowed.

What is the maximum loan term for Wisconsin payday loans?

In Wisconsin, the longest duration for a payday loan is 90 days. Repaying the debt after due dates may incur additional charges.

Is good credit required for a payday loan in WI?

No, it isn’t. Most lenders in the state do not prioritize credit history for loan approval.

Is it possible to extend or renew a payday loan in Wisconsin?

In Wisconsin, you have the option to extend or renew a payday loan, but this can only be done once.

Are there any limits on the amount I can borrow with a Wisconsin payday loan?

There are no minimum limits for payday loans in Wisconsin. The maximum amount for this type of loan in the state is $1,500. However, the borrowed sum can be at most 35% of your monthly income.

Are online payday loans available in Wisconsin?

Yes, in Wisconsin, payday loans are accessible both online and in person, as many lenders offer this option.

What are the consequences of not repaying a payday loan on time in Wisconsin?

Failing to repay a payday loan on time in Wisconsin may lead to additional charges, and the creditor may take action to recover the debt. It can also damage your credit score.

Shania Brenson

by Shania Brenson

Published on March 22, 2024