Good to excellent credit
American Express
- Credit profile
- Excellent
- APR range
- 6.99% – 19.99%
- Loan amount
- $3,500 – $40,000
Personal finance / WI
Personal loans, banking, insurance, and debt help in Wisconsin
Wisconsinites use personal loans to consolidate credit card debt, cover emergencies, finance home improvements, or manage major life expenses, typically through unsecured loans priced on credit and income.
37lenders in the dataset
WIstate guide
$780/yraverage homeowners premium in dataset
51jurisdictions in the dataset
01 / Personal loans
Personal loans in Wisconsin
Wisconsinites use personal loans to consolidate credit card debt, cover emergencies, finance home improvements, or manage major life expenses, typically through unsecured loans priced on credit and income.
Interest-rate law
Wisconsin has one of the lowest personal loan caps in the country: a flat 18-19% ceiling for licensed lenders regardless of loan size, with an even lower default cap for non-licensed lending.
| Loan range | Rate | Statute |
|---|---|---|
| Any loan size, licensed lender | Roughly 18% to 19% flat | Wis. Stat. § 138.09 |
| Non-licensed lending | 5% without a written agreement, up to 12% with one | General usury default |
Lender complaints: Wisconsin Department of Financial Institutions
02 / Lender directory
Lenders by credit profile
Good to excellent credit
Axos Bank
- Credit profile
- Excellent
- APR range
- 11.79% – 20.84%
- Loan amount
- $7,000 – $50,000
Good to excellent credit
Citi
- Credit profile
- Good - Excellent
- APR range
- 9.99% – 17.49%
- Loan amount
- $2,000 – $30,000
Good to excellent credit
Discover
- Credit profile
- Good - Excellent
- APR range
- 6.99% – 24.99%
- Loan amount
- $2,500 – $40,000
Good to excellent credit
Happy Money
- Credit profile
- Good
- APR range
- 7.95% – 35.99%
- Loan amount
- $5,000 – $50,000
Good to excellent credit
Huntington Bank
- Credit profile
- Not specified
- APR range
- 8.47% – 25%
- Loan amount
- $0 – $50,000
Good to excellent credit
LightStream
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.39%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
PNC Bank
- Credit profile
- Not specified
- APR range
- 7.89% – 24.99%
- Loan amount
- $1,000 – $35,000
Good to excellent credit
PenFed
- Credit profile
- Good
- APR range
- 7.99% – 17.99%
- Loan amount
- $500 – $50,000
Good to excellent credit
Prosper
- Credit profile
- Good
- APR range
- 8.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Good to excellent credit
Reach Financial
- Credit profile
- Not specified
- APR range
- 5.99% – 35.99%
- Loan amount
- $3,500 – $40,000
Good to excellent credit
Rocket Loans
- Credit profile
- Good
- APR range
- 8.01% – 29.99%
- Loan amount
- $2,000 – $45,000
Good to excellent credit
SoFi
- Credit profile
- Good - Excellent
- APR range
- 8.74% – 35.99%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
USAA
- Credit profile
- Good - Excellent
- APR range
- 9.89% – 18.51%
- Loan amount
- $2,500 – $100,000
Good to excellent credit
US Bank
- Credit profile
- Not specified
- APR range
- 8.74% – 24.99%
- Loan amount
- $1,000 – $50,000
Good to excellent credit
Wells Fargo
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.99%
- Loan amount
- $3,000 – $100,000
Fair credit
Avant
- Credit profile
- Poor to Good
- APR range
- 9.95% – 35.99%
- Loan amount
- $2,000 – $35,000
Fair credit
Best Egg
- Credit profile
- Fair
- APR range
- 6.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Fair credit
Happen Bank (formerly LendingClub)
- Credit profile
- Fair
- APR range
- 7.04% – 35.99%
- Loan amount
- $1,000 – $60,000
Fair credit
LendingPoint
- Credit profile
- Fair
- APR range
- 7.99% – 35.99%
- Loan amount
- $1,000 – $36,500
Fair credit
Navy Federal Credit Union
- Credit profile
- Fair - Excellent
- APR range
- 8.74% – 18%
- Loan amount
- $250 – $50,000
Fair credit
Oportun
- Credit profile
- Fair
- APR range
- N/A – 35.95%
- Loan amount
- $300 – $10,000
Fair credit
Upgrade
- Credit profile
- Fair
- APR range
- 7.74% – 35.99%
- Loan amount
- $1,000 – $50,000
Fair credit
Upstart
- Credit profile
- Fair
- APR range
- 6.20% – 35.99%
- Loan amount
- $1,000 – $75,000
Poor or limited credit
CreditNinja
- Credit profile
- Poor
- APR range
- 195.75% – 349%
- Loan amount
- $300 – $5,000
Poor or limited credit
Fig Loans
- Credit profile
- Poor
- APR range
- 190% – 209%
- Loan amount
- $300 – $500
Poor or limited credit
Integra Credit
- Credit profile
- Poor
- APR range
- 149% – 399%
- Loan amount
- $500 – $3,000
Poor or limited credit
Kwikcash
- Credit profile
- Not specified
- APR range
- 99% – 499%
- Loan amount
- $250 – $1,000
Poor or limited credit
Mariner Finance
- Credit profile
- Poor
- APR range
- 15.49% – 35.99%
- Loan amount
- $1,000 – $25,000
Poor or limited credit
MoneyKey
- Credit profile
- Poor
- APR range
- 295% – 401.20%
- Loan amount
- $200 – $2,500
Poor or limited credit
NetCredit
- Credit profile
- Poor
- APR range
- 34% – 99.99%
- Loan amount
- $1,000 – $10,000
Poor or limited credit
OneMain Financial
- Credit profile
- Poor
- APR range
- 18% – 35.99%
- Loan amount
- $1,500 – $20,000
Poor or limited credit
OppLoans
- Credit profile
- Poor
- APR range
- 160% – 195%
- Loan amount
- $500 – $5,000
Poor or limited credit
Personify Financial
- Credit profile
- Poor
- APR range
- 36% – 179.50%
- Loan amount
- $500 – $15,000
Poor or limited credit
RISE
- Credit profile
- Poor
- APR range
- 99% – 199%
- Loan amount
- $500 – $5,000
Poor or limited credit
Security Finance
- Credit profile
- Not specified
- APR range
- N/A – 124.48%
- Loan amount
- $477 – $2,500
Poor or limited credit
World Finance
- Credit profile
- Poor
- APR range
- N/A – 99%
- Loan amount
- $450 – $12,000
03 / Debt consolidation
Debt consolidation
A debt consolidation loan replaces higher-rate debts with one lower-rate loan. Wisconsin's flat 18-19% cap for licensed lenders is one of the lowest in the country, so a well-priced consolidation loan should land well under that ceiling to genuinely beat a typical credit card APR.
04 / Banking and credit unions
Banking in Wisconsin
National banks offer scale and broad networks, while Wisconsin-based and regional banks compete on relationship banking and local, faster lending decisions.
Banks listed
- Associated BankHeadquartered in Green Bay, WI.
- ChaseNational bank.
- US BankNational bank, headquartered in Minneapolis, MN.
- BMOU.S. headquarters in Chicago, IL; part of Bank of Montreal.
- Johnson Financial GroupHeadquartered in Racine, WI.
- Nicolet National BankHeadquartered in Green Bay, WI.
Credit unions
Credit unions are member-owned, not-for-profit institutions that often post lower loan rates and fewer fees than banks, with membership tied to geography, employer, or affiliation.
Wisconsin credit unions posted median membership growth of about 5.2% year over year (Q4 2025 NCUA data), one of the stronger figures in the comparison, alongside strong median asset growth (~4.7%) and a notably high median loan-to-share ratio (~94%).
Wisconsin's 1931 'Groves Credit Union' bill, part of the 'Wisconsin Idea,' funded a dedicated state credit union organizer position, and by 1939 Wisconsin had 563 credit unions, first in the nation per capita. UW Credit Union was founded in 1931 by University of Wisconsin-Madison economics professors; Co-op Credit Union grew from a farmers' cooperative in Black River Falls in 1938. The state's credit unions still serve nearly 4 million members.
Federally insured credit union deposits are protected up to $250,000 through the National Credit Union Share Insurance Fund.
Credit unions listed
05 / Debt settlement
Debt settlement
Legal and licensed under the Adjustment Service Companies statute (Wis. Stat. § 218.02), regulated by the Wisconsin DFI Division of Banking. New rules effective October 1, 2025 permit a performance-based fee up to 30% of savings achieved, with no fees collectible until a debt is settled and at least one payment made. Licensed providers must maintain a bond.
Companies listed in the dataset
06 / Insurance
Wisconsin insurance
Regulator
Wisconsin Office of the Commissioner of Insurance
Insurance regulator websiteAuto insurance
25/50/10
Wisconsin requires liability insurance with minimum limits of $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage. Uninsured motorist and medical payments coverage are also required on every policy.
Homeowners and renters
$780/yr
- State requirement
- No
- National homeowners average
- $1,337/yr
- Renters average
- $127/yr
Wisconsin carries real exposure to severe thunderstorms, hail, and tornadoes during warmer months, along with harsh winter storms. Homeowners premiums rank 2nd-lowest in the country.
07 / Questions
Wisconsin FAQs
How do I file a complaint against a lender in Wisconsin?
Contact the Wisconsin Department of Financial Institutions, which licenses and supervises consumer lenders operating in Wisconsin.
How do I file a complaint against my insurance company in Wisconsin?
File with the Wisconsin Office of the Commissioner of Insurance.
What's the maximum interest rate a lender can legally charge on a personal loan in Wisconsin?
Roughly 18% to 19% flat for a licensed lender under § 138.09, with no tiering by loan size -- one of the lowest caps in the country. The general unlicensed usury default is even lower: 5% without a written agreement, up to 12% with one.
Are payday loans legal in Wisconsin, and are there caps on fees or loan amounts?
Yes, and Wisconsin doesn't cap the rate before a loan's maturity date. Payday loans are capped at the lesser of $1,500 or 35% of gross monthly income, with terms up to 90 days; market average APRs run around 599%. After maturity, unpaid balances are capped at 2.75% per month. Borrowers get one renewal and a free extended repayment plan once every 12 months.
How long can a debt collector legally pursue an unpaid debt in Wisconsin before the statute of limitations runs out?
Written contracts, oral contracts, and open accounts all carry a 6-year statute of limitations (Wis. Stat. § 893.43). Promissory notes get a longer 10-year window.
What's the difference between a debt consolidation loan and debt settlement for someone living in Wisconsin?
A debt consolidation loan pays off debts in full with new borrowed money on a fixed schedule. Debt settlement negotiates reduced payoffs but damages credit and can create taxable income. Wisconsin's licensed-lender cap of roughly 18-19% is unusually low, so a debt consolidation loan is especially likely to beat a typical credit card rate.
