Payday loans in Wisconsin: what the law allows

Yes. Wisconsin allows payday loans up to $1,500. Wisconsin allows car title loans.

Wisconsin

Payday loans

Allowed

Car title loans

Allowed

“You may not borrow more than $1,500 or 35% of your gross monthly income, whichever is less.”

Checked 2026-09-15. Laws change; confirm with the regulator before you borrow.

Before you borrow

A payment plan, a paycheck advance or a credit union payday alternative loan usually costs less than a payday or title loan.

Already behind on a payday loan?

See every way out of the debt you have, including options nobody sells.

The fee, the APR and what renewing the loan adds up to.

Credit union PAL limits, payment and cost next to a payday loan.

Every way to cover a shortfall, priced in dollars, cheapest first.

The warning signs of a fake loan offer, checked one by one.

Are payday loans legal in Wisconsin?

Yes. Wisconsin allows payday loans up to $1,500.

Are car title loans legal in Wisconsin?

Wisconsin allows car title loans.

How do I check a lender's license in Wisconsin?

Look the lender up with Wisconsin Department of Financial Institutions, which licenses lenders in Wisconsin.

Do these rules protect service members?

Yes. The Military Lending Act limits payday and car title loans for covered service members to 36%, in every state.

Information, not legal advice. Laws change; confirm with the state regulator.