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Wisconsin

Rates and Terms for Wisconsin

Loan Amounts: The maximum loan amount for Wisconsin residents will be 35% of gross monthly income or $1,500, whichever is less.

Based on your income and other factors, loan limits will be determined on an individual basis.

Term of Loan: Minimum 8 Days – Maximum 31 Days
Permitted Fees: The cost of the loan is up to $30.00 per $100.00 borrowed.

The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). Please see your loan agreement for the APR and other terms applicable to your loan.

Loan Renewal: If you qualify, we may allow you to enter into one renewal transaction. We will not renew a transaction more than once. The full outstanding balance shall be due upon completion of the term of the renewal transaction. Our renewal fee will not exceed thirty percent of the amount being renewed. On the payment date of the renewal transaction we will debit funds from your bank account for the loan amount and finance charge.

We encourage taking advantage of the option to make a partial payment on the loan balance when requesting a renewal. There is no penalty for paying down a balance and depending on your state; doing so may result in a reduction of fees charged.

You may request these changes by logging into your online account and/or by calling a customer service representative. Renewal requests must be received by 7:00 PM Mountain Time on the business day before your loan is due.

Additional Information

Your Right to Rescind (cancel) this loan – A borrower may rescind a payday loan without cost for any reason, not later than the close of business on the business day following the date of the payday loan agreement.

REPAYMENT PLAN: If you fail to repay this payday loan in full upon its maturity date, the lender must offer you the opportunity to repay the outstanding balance of the loan in 4 equal installments with due dates coinciding with your pay period schedule. There is no cost to you for entering into the repayment plan, and the lender may not charge any interest on the outstanding balance while you are participating in the repayment plan.

Example APR and Fee Schedule:

The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). The table below shows the Annual Percentage Rate (“APR”) and Finance Charge for various loan amounts.

Amount Fees Charged Amount Due Days APR% Days APR%
$100.00 $30.00 $130.00 14 782.14% 31 353.23%
$150.00 $45.00 $195.00 14 782.14% 31 353.23%
$200.00 $60.00 $260.00 14 782.14% 31 353.23%
$250.00 $75.00 $325.00 14 782.14% 31 353.23%
$300.00 $90.00 $390.00 14 782.14% 31 353.23%
$350.00 $105.00 $455.00 14 782.14% 31 353.23%
$400.00 $120.00 $520.00 14 782.14% 31 353.23%
$450.00 $135.00 $585.00 14 782.14% 31 353.23%
$500.00 $150.00 $650.00 14 782.14% 31 353.23%
$550.00 $165.00 $715.00 14 782.14% 31 353.23%
$600.00 $180.00 $780.00 14 782.14% 31 353.23%
$650.00 $195.00 $845.00 14 782.14% 31 353.23%
$700.00 $210.00 $910.00 14 782.14% 31 353.23%
$750.00 $225.00 $975.00 14 782.14% 31 353.23%

Finance Charge: Up to $30.00 per $100.00 borrowed.

Please see your loan agreement for the APR and other terms applicable to your loan.

Loan License and Registration:

We are licensed and regulated by 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.

Please click here for the Wisconsin Guide to Payday Loans.

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