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Title loans in Wisconsin

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Shir Amram

Written by: Shir Amram

Get the Cash You Need!

Are you looking for a way to get quick cash in Wisconsin? 

Look no further!

We can help you find a car title loan in Wisconsin so you can get the money you need on the same day!

The process is simple; submit your loan request today and we will do our best to find you a loan with no hidden fees or outrageous interest rates.

Wisconsin Flag, USA

Wisconsin, "The Badger State," proudly displays a determined badger on its flag, representing its industrious spirit.

Benefits of Getting an Auto Title Loan:

  • Fast Money: Agree by 2:00 pm, get cash in 5 hours.
  • Easy Apply: Online or phone, anytime.
  • No Credit Worries: Title loans help even with bad credit.
  • Keep Driving: Car remains yours during loan repayment.

You can trust us for all of your title loan needs. Apply online or give us a call today to get the cash you need!

What is a Car Title Loan and How Could it Help Me in Wisconsin?

A car title loan is a secured loan using your vehicle title as collateral for cash. You can still use your vehicle during the loan period, but if you don't repay, the lender can claim it; repossess your car, and you will lose ownership of the vehicle.

Car title loan approval hinges on your income source and car's value. While some lenders assess credit history, those with poor credit may still qualify if they demonstrate the ability to repay based on their fixed monthly income and car's value. Once approved, the loan is secured by your vehicle's title.

Yes, according to the law, licensed lenders in Wisconsin are allowed to give title loans. Car title loans in Wisconsin are allowed and overseen by Wisconsin's regulations. This permits people in Wisconsin to obtain fast cash using their car title as a collateral for a loan. 

Keep in mind, even though car title loans are allowed, there are rules to protect you. These rules may refer to things like the most money you can borrow, the interest rate lenders can charge, how you pay back, and what happens if you can't pay. 

Wisconsin Title Loans Rates and Terms

In Wisconsin, title loans are regulated under the Wisconsin Consumer Act, which provides guidelines to protect borrowers from predatory lending practices. The state has implemented specific laws and regulations to ensure that title loan lenders operate within ethical boundaries.

Here Is a Table For Your Reference:

Legal StatusTitle loans are legal in Wisconsin.
Maximum Loan Amount$25,000
Minimum Loan Amount$100
Interest RateNo limit before the due date. After, up to 2.75% per month.
Loan Term6 months is common, but it can vary.
Repossession LawsLenders can repossess the vehicle upon default.

When you know and follow these rules, you can choose car title loans wisely, stay away from problems, and keep your finances secure.

Make sure you grasp the terms well. For more insight, refer to the Wisconsin State Legislature chapter 138: Money And Rates Of Interest.

Uses for Car Title Loans

Auto title loans can help in several ways:

  • Emergency cash: Unforeseen expenses can surface at any time. Whether it's a medical bill or urgent home repair, a car title loan can provide the cash you need in a hurry.
  • Debt repayment: If you're battling with high-interest debt, an auto title loan could give you the funds to pay it off. This could potentially save you money in the long run.
  • No Credit Worries: As mentioned, poor credit score may not prohibit you from securing a loan, as the loan is based on your vehicle's value and your income source.

Remember, it's essential to fully understand the terms and ensure you can meet the repayment schedule before taking out a title loan. Reach out to us for any questions or to begin your application.

What is the Maximum Amount You Can Get from a Car Title Loan?

Typically, you can borrow anywhere from 25% to 50% of your car's value. On average, according to the FTC, most loans fall between $100 and $5,500. However, if your car is in excellent condition and has a high value, some lenders might allow you to borrow as much as $50,000.

Estimate Your Car's Loan Value with Ease

The easiest and most straightforward method to determine how much you can receive for your car is to complete a free online application or utilize our title loans calculator

This will provide you with a clear picture of what your potential loan will entail.

More than eighty different makes of cars and trucks have been manufactured in Wisconsin since 1900

Title Loan Requirements in Wisconsin

To qualify for a car title loan in Wisconsin, there are certain requirements that need to be fulfilled:

  • Car Ownership: You have to own a car that has substantial equity or is fully paid off. The title of the car should be in your name.
  • Income Source: You need to have a reliable source of income, but not having a job doesn’t mean you can't get a loan. You can get a title loan without proof of income.
  • Wisconsin Resident: You need to be a resident of Wisconsin. Proof of residency can be provided through documents like utility bills or lease agreements.
  • Age: You need to be at least 18 years old to apply for a car title loan.
  • Vehicle Condition: The condition of your vehicle will be assessed as part of the application process.

Please note, while credit history may be checked, having poor or no credit score may not necessarily disqualify you from being approved for a loan. The approval process is primarily based on your car value/equity and income source.

Steps To Take Out an Online Title Loans

Here's the title loan process, from applying to receiving funds:

  1. Application: Begin by applying online or via phone. Share personal details and your car's information – make, model, year, and mileage.
  2. Assessment: Your application will carefully be assessed.
  3. Approval: Meeting lending criteria leads to loan approval. The amount hinges on your car's value and your income.
  4. Funding: After approval, receive your loan amount in several ways: direct deposit to your bank account, MoneyGram at Walmart, or on an eligible prepaid/debit card.

While the process is simple, remember the commitment you're taking on. Repaying the loan early from its end date can save the borrower a lot of money on interest. The more the loan is spread over a longer period of time, the more its cost increases and early repayment will prevent this.

Can I Get a Title Loan if I'm Unemployed?

You may still qualify for a title loan even if you're unemployed. Car title loans lenders consider various factors to determine eligibility.

While a steady income is beneficial, lenders understand not everyone has a conventional job. Some of them may take into account other sources of income, such as unemployment benefits, retirement funds, or consistent income. Usually, the focus is on your car's value/equity and your ability to repay the loan.

You can read more about How to get a title loan without a job?

Example of a Car Title Loan in Wisconsin:

Meet Sarah: a Wisconsin resident with a car valued at $15,000, fully owned. Confronting a $3,000 medical bill, she goes for an online car title loan. 

Not having a job isn't an issue; income proof beyond paychecks works. 

Her car's good shape allows her to borrow $3,000, keeping within the $25,000 loan amount limit.
Sarah submitted the loan application at 11 am and received the money on the same day. She opted for a 6-month loan term, paying it off in monthly installments. 

Throughout this time, she continued driving her car hassle-free. After repaying the loan, her car title is back in her hands.

Available Payment Options for Title Loans

Lenders offer a variety of payment options for the convenience of their customers

How to Repay Your Car Title Loan

Online Payments

You can make payments online through your customer portal. This method is convenient and allows for secure transactions at any time of day.

Phone Payments

You can call to make a payment over the phone. This is a great option if you prefer to speak with a loan agent.

Mail Payments

If you prefer traditional methods, you may mail your payments. Just make sure you leave enough time for your payment to reach the lender before the due date.

In-Person Payments

If your lender has stores, you may be able to make your payment in person. This can be helpful if you want to speak to someone face-to-face about your loan.

Remember, it's vital to make your payments on time to avoid any additional fees or penalties.

What are the Typical Repayment Terms for a Title Loan?

The repayment terms for a title loan can vary widely depending on various factors such as the lender, the value of your vehicle, your income, and your individual circumstances.

However, typical repayment terms for a title loan are quite flexible.

  1. Duration: The loan repayment period can range anywhere from 12 to 48 months, providing ample time to repay the loan.
  2. Payment Frequency: Payments are usually scheduled on a monthly basis aligned with your income schedule.
  3. Early Repayment: There's often no penalty for early repayment, allowing you to clear your debt ahead of schedule if you find yourself able to do so.
  4. Late Fees: If you miss a payment, it's important to communicate with your lender as soon as possible. There may be late fees applied, but these may often be avoided with clear and timely communication.

Remember, before accepting a loan, be sure you understand the terms, including your obligations, which are legally specified in your contract, and the repayment schedule, usually monthly.

The Milwaukee Art Museum’s signature Quadracci Pavilion, Milwaukee, Wisconsin

Repossession - What You Should Know

Repossession, in simple terms, means that if you're unable to make your car payments on time, the lender could take your car back without needing to go to court.

This process changed in Wisconsin on April 13, 2006, allowing lenders to repossess vehicles without a court order. This shift has significant implications for both consumers and lenders. 

Repossession Changes in Wisconsin: Consumer and Lender Impact

Implications for ConsumersImplications for Lenders
Consumers may lose cars without a court order.Lenders gain more control over repossessions.
Understanding and responding to notices may be challenging.Reduced need for legal processes saves time and money.
Consumers have a limited window (15 days) to demand a court proceeding.Easier implementation of "voluntary surrender" with higher demand compliance.
Potential difficulty in challenging repossessions before they happen.Possibility of increased breaches of peace during repossessions.
Damages and remedies for unlawful repossessions are reduced.Greater autonomy in deeming consumers in default.
Post-repossession challenges may be the primary focus for consumer cases.The burden to initiate legal proceedings may shift from lenders to consumers.

To understand more about these changes and their impact, you can read the informative articles:  

A. Repossession of Motor Vehicles in Wisconsin.

B. If you're seeking further legal insights and resources on vehicle repossession in Wisconsin, the Wisconsin State Law Library provides valuable information.

Staying informed about the evolving landscape of vehicle repossession is crucial for understanding your rights in Wisconsin.

Frequently Asked Questions (FAQs)

Are There Limits On How I Can Use My Car Title Loan Money?

No, you can use the money for whatever you need — whether it’s to cover an unexpected expense or pay off some bills. However, We highly advise responsible fund usage, especially for emergencies.

Can I Get A Car Title Loan With a Bad Credit Score?

Yes, you can. You do not need to have perfect credit to qualify for a car title loan. Lenders consider all applicants regardless of their credit history. Check out Title Loan Online, No Credit Score, No Inspection for more information

What Documents Do I Need To Provide When Applying For A Car Title Loan?

When applying for a car title loan, you will need to provide basic documents like: valid proof of income, vehicle information, and contact details. You may also be asked to provide documents such as bank statements or bills that demonstrate your ability to repay the loan.

How Quickly Can I Get My Money?

In most cases, you can expect to receive your funds within 24 hours after submitting your application. If you sign your loan agreement before 2:00 pm your local lender’s time on a business day, you may get your cash in as little as 5 hours.

Tips for Managing Your Loan

Once you have secured a car title loan, it is important to remember that you will need to repay the loan on time and in full. Here are a few tips for managing your loan responsibly:

  • Create a budget – calculate how much money you can afford to pay each month towards your loan.
  • Set up payment reminders – use calendar alerts or monthly reminders so you don’t forget when your payments are due.
  • Make extra payments – if you can afford to make more than the minimum monthly payment, do it! This will help reduce your overall loan balance and save you money on interest.
  • Talk to your lender – if you find yourself struggling to make payments, reach out to the lender as soon as possible so that he can work with you to come up with a payment plan that works.


Getting the cash you need doesn’t have to be hard – let Montana Capital Car Title Loans help! We may be able to help you get the money you need fast and without hassle. 

So don’t wait – apply today without obligation or give us a call for more information. We look forward to assisting you!

Shir Amram

Written by

Shir Amram

Shir Amram is a senior loan officer at Montana Capital Car Title Loans. With over 10 years of experience in the finance industry, Shir has been an asset in her role and has contributed significantly to our company's success, Shir’s academic background in economics and financial knowledge helps us fulfill our education mission as she creates a valuable content to our blog. 

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