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Find the Best Payday and Title Loan Companies in Sauk County, WI

Payday and title loans help Baraboo and Sauk City residents cover extra expenses like car repairs or medical bills. WiscNews has partnered with ConsumerAffairs to create this guide by comparing customer reviews, loan amounts and local availability of more than 25 businesses and choosing seven favorites from the top payday and title companies in Sauk County.

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Compare Sauk County Payday and Title Loan Companies

Payday lending is illegal and unavailable to consumers in some states. Payday loans usually have very high interest rates and carry risk. As with any loan, consumers should have a clear understanding of the fees, terms and conditions of any payday loan before borrowing.

Choosing a payday loan company in Sauk County

sauk county skyline

Sauk County residents looking for payday loan companies can get a loan online or visit a local lender in-store. Whatever your preference, it pays to do your research, look at multiple lending companies and make an informed decision. As you’re evaluating loan companies, consider their:

  • Mode of operation: Online payday lenders offer quick, convenient application processes, but they might not be able to get you cash as fast. In-store lenders typically provide same-day cash, but you need to visit an office to complete the application process. Additionally, some online lenders offer installment loans with higher limits, but these loans often come with higher APRs, too.
  • Repayment term lengths: Payday loans are due on your next payday, so repayment terms are usually either 14 or 30 days. In Wisconsin, a payday loan term cannot exceed 90 days. However, the law allows one rollover or renewal.
  • Payout times: Make sure your lender can get you the money you need when you need it. Many payday loan providers offer same-day cash in-store, and online lenders can usually get funds to you by the next business day.

Payday loan costs in Sauk County

Payday loans get you cash fast, but they have higher costs than almost any other kind of loan. In Wisconsin, there is no legal limit on how much payday lenders can charge for loans. In 2019 the average APR for Wisconsin payday loans was 528%, but they can be much higher. Before you commit to a payday loan, make sure you have a solid plan for repaying it.

Other lenders don’t deal in APRs. With these loan companies, expect to pay a fee of up to $25 per $100 borrowed. That means if you borrow $100, you owe $125 when you pay it back. Ask to see a fee schedule before accepting your loan.

Title loans in Sauk County

Sauk County residents that need more money than payday loan companies offer should consider a title loan. Title loan amounts vary, but they usually start at around 25% of your vehicle’s value.

These loans are secured, meaning they are tied to an asset (your vehicle). During your repayment period, the loan company keeps the title to your vehicle as collateral. If you default on the loan, the lender has the right to repossess your car.

There are a few basic requirements for title loans, including:

  • Owning your vehicle outright
  • Proof of the vehicle’s registration
  • Proof of your ability to repay the loan (usually a pay stub)

You don’t need a high credit score to qualify for a title loan. However, APRs on these types of loans can be steep, so make sure you shop around and compare interest rates before deciding on a lender.

Payday and title loan FAQ

Do payday loans hurt your credit?

Most payday lenders do not conduct a credit check, so getting a payday loan does not usually affect your credit. However, if you do not pay back the loan and it gets sent to a collection agency, that does affect your credit score.

Can you go to jail for not paying back a payday loan?

No, U.S. law protects consumers from going to jail for unpaid debts. However, if you do not pay back a payday loan and the lender brings a civil suit against you, failure to appear in court can result in a warrant for your arrest.

Can you get denied a payday loan?

In Wisconsin, most payday lenders do not have a minimum credit score requirement, but a lender can deny you if:

  • Your next paycheck is not enough to cover the amount you want to borrow.
  • You already have two outstanding payday loans.
  • You do not have proof of income or other required documentation. The majority of lenders require an active checking account, but some lenders accept savings accounts as well.

How much can I borrow with a payday loan?

In Wisconsin, payday loans are limited to $1,500 or 35% of your gross monthly income, whichever is less. You cannot borrow more than your paycheck covers.

Payday and title loan company information


CashNetUSA offers online, short-term installment loans up to $600 in Wisconsin. You can apply online 24/7 and get an immediate decision, but you should apply by 10:30 a.m. for same-day funding. Customers also have access to a special discount program and free financial education courses.

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Silver Cloud Financial

Silver Cloud Financial is a tribal lending institution offering short-term installment loans from $300 to $1,000 online with no minimum credit score requirements. The approval process is quick and this company typically deposits funds the next business day. Silver Cloud offers rate discounts for qualified returning customers.

Silver Cloud Financial

TMG Loan Processing

TMG Loan Processing provides online auto title loans in amounts up to $50,000 for qualified Wisconsin borrowers. Apply for free online or by phone to find out how much you’re eligible to borrow, with no obligation. TMG does not base approval decisions on your credit score. Qualified customers typically receive funds in as little as one business day.

TMG Loan Processing

Check `n Go

Check ‘n Go provides online installment loans of $500 to $5,000 for Wisconsin customers. Qualified customers can start a Choice Loan application online and finish in-store for same-day funds. Online loan funds are typically deposited the next business day. There is no minimum credit score requirement, and you can manage your account online. Sauk County residents can find locations in Madison and in Portage at 2830 New Pinery Road, Ste. I, Portage, WI 53901.

Check `n Go

Check Into Cash

Check Into Cash offers in-store and online payday loans, title loans and installment loans. In Wisconsin, payday loans are available in amounts from $50 - $2,000, and title loans are available up to $25,000. Its APR for a 14-day payday loan is 651.79%. Approved in-store payday loans typically provide same-day cash, but Check Into Cash doesn't have any nearby locations.

Check Into Cash

AmeriCash Loans

AmeriCash Loans is an online lender offering installment loans for Wisconsin borrowers. If qualified, you can borrow $100 to $2,500, and funds are usually available within 24 hours. Express applications are available for returning customers, and the maximum loan repayment term is 12 months.

AmeriCash Loans

Advance America

Advance America offers payday loans, installment loans and title loans online. Payday loans are available in amounts of $50 to $600, while installment loans are for $200 to $2,500. In-store service is also available. Advance America’s local address is 2831 Parmenter St., Ste. 165, Middleton, WI 53562.

Advance America