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Best Payday Lenders in Milwaukee, WI

July 8, 2019, 2:51 p.m.

If you have a financial emergency that can’t wait until the next paycheck, a payday loan is always an option. This type of short-term, high-interest borrowing is easy to qualify for and offers quick access to cash. Wisconsin’s largest city has plenty of lenders, so our partners at ConsumerAffairs researched the best payday loans in Milwaukee.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. TMJ4 may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
Speedy Cash

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#1 MOST POPULAR
Speedy Cash
Speedy Cash
Features
  • No prepayment penalties
  • Apply over the phone, online or in person
  • More than 150,000 loans funded
  • Available in Milwaukee
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#2
CashNetUSA
CashNetUSA
Features
  • Loans up to $500
  • Helped over 3 million customers
  • Apply online 24/7
  • Available in Milwaukee
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#3
Check 'n Go
Check 'n Go
Features
  • Pay online
  • Start application online
  • Prepaid card available
  • Check cashing available
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Location
807 S. Layton Blvd.
Milwaukee, WI 53215
(414) 384-5400
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#4
Advance America
Advance America
Features
  • Approval in minutes
  • Same-day payment
  • In-store or online application
  • Offers prepaid card
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Location
3730 S. 27th St., Ste.110
Milwaukee, WI 53221
(414) 282-9539
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Northstar Loans
Northstar Loans
Features
  • M-F: 9am - 6pm
  • Sat: 10am - 2pm
  • Closed Sun
  • wisconsinloancenters.com
Location
4132 W. Capitol Dr.
Milwaukee, WI 53216
(414) 301-6618
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USA Payday Loans
USA Payday Loans
Features
  • M-Th: 9am - 6pm
  • F: 9am - 7pm
  • Sat: 9am - 1pm
  • Closed Sun
  • usapaydayloanstore.com/west-allis
Location
2755 S. 108th St.
West Allis, WI 53227
(414) 328-5455
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My Wisconsin Payday
My Wisconsin Payday
Features
  • M-Sun: 8am - 8pm
  • mywisconsinpayday.com
Location
710 N. Plankinton Ave.
Milwaukee, WI 53203
(414) 209-7721
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Check Into Cash
Check Into Cash
Features
  • M-F: 10am - 6pm
  • Sat: 10am - 3pm
  • Closed Sun
  • local.checkintocash.com/wi/milwaukee
Location
3906 N. 76th St.
Milwaukee, WI 53222
(414) 462-1100
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AmeriCash Loans
AmeriCash Loans
Features
  • M-F: 9am - 7pm
  • Sat: 9am - 3pm
  • Closed Sun
  • americashloans.net
Location
9228 W. Capitol Dr.
Milwaukee, WI 53222
(414) 462-0770
Get matched today

How to get a payday loan in Milwaukee

Milwaukee Skyline

For a payday loan in Milwaukee, the borrower trades an upcoming paycheck and pays service fees in exchange for a cash advance. Because payday lender rates are high — in 2017 the average annual percentage rate was 495.5 percent in Wisconsin — these loans should never be used as a long-term financial strategy.

Before taking one out, consider payday loan alternatives, like borrowing from a bank or credit union, getting a loan from a relative or friend, asking for an extension from a creditor or using a credit card cash advance.

Payday lenders in Milwaukee are licensed and regulated by the Wisconsin Department of Financial Institutions. According to state statutes, these rules apply:

  • You cannot borrow more than $1,500 or 35 percent of gross monthly income, whichever is less.
  • Terms must be 90 days or less.
  • There is no maximum interest rate.
  • If you fail to repay a loan in full by the end of the term, the lender must offer the opportunity to repay in four equal installments; the interest rate after the maturity date lowers to 2.75 percent per month.

There are different ways to get a payday loan in Milwaukee. Online payday loans allow you to complete the entire process over the web and get funds electronically. Some companies with brick-and-mortar locations ask that a borrower visit in person to complete an application.

Payday loan requirements in Milwaukee usually include:

  • Government-issued ID
  • Social Security number
  • Income information
  • An open and active checking account
  • Contact information

Before signing a payday loan agreement, read it carefully and make sure you understand the terms. If you have any questions, ask the lender. Only borrow what you can afford to repay. If you are unable to pay back a payday loan in Milwaukee, be aware that the lender or a collection agency may attempt to collect the debt through letters, phone calls, personal visits or small claims court. But it is illegal for a lender to threaten or pursue criminal charges for failure to repay a payday loan in Milwaukee.

Speedy Cash

Speedy Cash VISIT WEBSITE

Speedy Cash has been issuing short-term loans to borrowers since 1997. Milwaukeeans apply for payday loans online, then get a quick decision and direct deposit of funds within 24 business hours. Visitors to the Speedy Cash website will find numerous helpful resources and answers to payday loan FAQs. Customers appreciate the fast application process and knowing their personal information is secure.

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CashNetUSA

CashNetUSA VISIT WEBSITE

CashNetUSA is an online lender offering installment loans in Milwaukee. Customers can easily apply on the website, get an immediate decision and receive funds as soon as the next business day. Additional benefits include a savings program with discounts and free online access to financial education courses and interactive tools. CashNetUSA has customer service representatives available seven days a week. Reviewers give five stars for a hassle-free experience.

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Check 'n Go

Check 'n Go

Check ’n Go has several convenient Milwaukee-area branches that all get excellent reviews. While payday loans are not available in Wisconsin, the company offers long-term “Choice” loans in-store and installment loans from $200 to $5,000 online, amounts larger than payday loans. The location at 344 E Capitol Drive gets many five-star reviews and customers thank associates Keena, Nazerina and Precious by name.

Advance America

Advance America

Advance America has offered millions of loans across the U.S. in over 20 years of business. Customers in Milwaukee can apply online or at one of several different Milwaukee-area locations and get same-day cash up to $600. Reviewers say Advance America discloses all terms clearly and that the company is professional and easy to work with.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgment. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.