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A payday loan is one option for covering a shortfall that lands before your next paycheck. At Superb Cash Advance you can apply online for up to $500 with no hard credit check to get started, and you will get a free loan estimate if approved.
Approval depends mainly on your income and your ability to repay. In many cases, proof of about $800 or more in monthly income is enough to get started. Before you sign, compare your options and review the APR, the total repayment, and the repayment timeline.
Wisconsin does not cap payday loan fees, so a $500 loan commonly costs about $90, for a total of around $590. You will always see the exact loan terms before you sign.
You can apply online or in person. Applying online is the fastest option, and once approved you will receive a free, no-obligation estimate before deciding whether to move forward.
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.
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.
| Loan amount | Term | Fee | Total to repay | APR |
|---|---|---|---|---|
| $100 | About 14 days | $18 | $118 | About 469% |
| $200 | About 14 days | $36 | $236 | About 469% |
| $300 | About 14 days | $54 | $354 | About 469% |
| $400 | About 14 days | $72 | $472 | About 469% |
| $500 | About 14 days | $90 | $590 | About 469% |
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.
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.
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 in minutes, 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.
Are payday loans legal in Wisconsin?
Yes. Payday loans are legal and regulated under Wisconsin statute 138.14.
How many payday loans can you have in Wisconsin?
Your total payday borrowing cannot exceed $1,500 or 35% of your gross monthly income, and a statewide database records every payday loan in your name, so that limit follows you rather than resetting at each store.
A payday loan can be refinanced with another payday loan only once, so rolling a loan over again and again is not allowed.
What is the free repayment plan in Wisconsin?
If you cannot repay your loan when it is due, the lender must let you repay it in four equal installments over your next four paydays.
There is no added interest or fee for the plan, and you can use it once in any 12-month period.
Is there a credit check to get a payday loan?
Getting a quote uses only a soft credit inquiry, so it does not affect your credit score.
If your loan is approved, a hard credit inquiry may be completed, and national databases such as TransUnion, Equifax, LexisNexis, or FactorTrust may be checked before funding.
So there is no hard credit check just to request a loan, but one may be required before your loan is funded.
* Funding times are estimates and can vary depending on your bank and when your application is approved. Same-day funding is not guaranteed.
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All lending products offered by Superb Cash Advance are contingent upon approval through our underwriting process. Applicable interest rates, loan terms, and fees are determined by the borrower's state of residence, creditworthiness, and other relevant factors. Product availability is not uniform across all states, and not every applicant will be approved or will qualify for the maximum loan amount. Full terms and conditions apply to each product. Cash advance products are meant to address immediate, short-term financial needs. They are not a replacement for responsible long-term financial management. If you are struggling with debt, we strongly suggest contacting a qualified credit counselor. When applying online, additional verification of your information may be needed prior to funding, which may extend the disbursement process by up to two business days. Where state law requires loan proceeds to be paid in cash and in person, an application may be started online and the approved funds are collected at the store.
Submitting a loan application through Superb Cash Advance does not affect your FICO® Score. As part of our review, we may consult a non-traditional consumer reporting agency. An application of this kind may appear on your record with that agency but will leave your FICO® Score unchanged.
USA PATRIOT ACT NOTICE: CUSTOMER IDENTIFICATION REQUIREMENTS: In accordance with Federal law, all financial institutions must obtain, verify, and keep a record of information that identifies everyone who opens an account. You will be asked to supply your name, street address, date of birth, and other identifying information when you open an account. A valid driver's license or comparable identification document may also be requested.
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* Where state law permits electronic disbursement, funds may be deposited as soon as the same business day for applications approved before 11:30 AM ET, and applications approved later in the day are generally funded on the next business day. In states whose law requires loan proceeds to be paid in cash and in person, approved funds are collected at the store instead of being deposited, and timing depends on approval time and store hours.
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