Cash Advance Loans in Wisconsin

How Payday Loans Work in Wisconsin

In Wisconsin, payday loans are licensed and regulated under state statute 138.14. You write a check or authorize a debit for the amount you borrow plus the fee, and it is due within 90 days, usually on your next payday.

A payday loan can be up to $1,500, but never more than 35% of your gross monthly income, and with Superb Cash Advance you can apply for up to $500. Wisconsin does not cap the fee during the loan term, so it pays to compare the full cost before you sign.

Every loan is recorded in a statewide database that lets you refinance a payday loan only once, and lenders must be licensed by the Wisconsin Department of Financial Institutions.

What a Payday Loan Costs in Wisconsin

Wisconsin does not cap payday loan fees, so costs vary by lender.

These examples assume a representative fee of about $18 per $100, and your exact fee may be higher or lower.

We show your exact fee before you sign, so you can see exactly what the loan costs and make sure it is a manageable payment that fits your budget and your next paycheck.

Representative example: borrow $500 for 14 days. Wisconsin does not cap the fee, so it varies by lender, but at a representative $18 per $100 the fee is $90 and you repay $590 on your due date, about a 469% APR.

A different lender fee will change the total, and we show your exact numbers before you sign.

How Wisconsin Law Protects You as a Borrower

• No rate cap, so compare carefully. Wisconsin does not cap payday loan fees during the loan term, so costs are among the highest in the country. Always compare the full cost before you borrow.
• An income-based limit. A payday loan cannot exceed $1,500 or 35% of your gross monthly income, whichever is lower, counting everything you owe across all lenders.
• A free repayment plan. If you cannot repay at maturity, the lender must let you repay in four equal installments over your next four paydays, with no added interest or fees, once in any 12-month period.
• Only one rollover. A payday loan can be refinanced with another payday loan only once, and every loan is checked through a statewide database.
• A next-day cancel window. You can cancel a payday loan at no cost by the end of the next business day by returning the money.
• No jail, no surprise garnishment. A lender cannot threaten criminal action, you cannot be jailed for an unpaid loan, and wages can be garnished only after a court judgment.

Source: Wisconsin payday loan law, Wis. Stat. 138.14 (a $1,500 or 35% of income limit, no rate cap during the term, a 90-day maximum term, one rollover, a free four-installment repayment plan, and a $15 returned-check fee cap).

Payday lenders are licensed and overseen by the Wisconsin Department of Financial Institutions. Last reviewed July 2026.

How to Get a $500 Cash Advance Fast in Wisconsin

With Superb Cash Advance, $500 is the most you can borrow on a payday loan in Wisconsin, and you can request the exact amount you need up to that limit.

Wisconsin caps a payday loan at $1,500 or 35% of your monthly income and does not cap the fee, so requesting only what you need and comparing the full cost keeps borrowing manageable.

The fastest way to get $500 is to apply online with your ID, income, and bank details ready. Most applicants get a decision, and approved funds can arrive the same business day.^*

See the requirements and how it works on our $500 cash advance with no credit check page.

Apply Online