Best Personal Loans in Wisconsin

Unsecured personal loans for debt consolidation, home improvement, major purchases, or emergency expenses. In Wisconsin, personal loans are not subject to a state APR cap for licensed consumer lenders, overseen by the Wisconsin Department of Financial Institutions.

Wisconsin Lending Overview

Personal Loan APR cap

No cap

Median Home Price

$295,000

Median Household Income

$75,000

Avg Student Debt

$32,619

State Regulator

Wisconsin Department of Financial Institutions

Notable law: Wisconsin requires payday lenders to offer an extended repayment plan after the borrower's second consecutive rollover but imposes no APR ceiling on payday or personal installment loans.

8 Personal Loans Lenders serving Wisconsin

Best Egg

Personal Loans

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of Wisconsin

Apply at Best Egg

Better Mortgage

Personal Loans

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of Wisconsin

Apply at Better Mortgage

Bluevine

Personal Loans

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of Wisconsin

Apply at Bluevine

Capital One Auto

Personal Loans

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of Wisconsin

Apply at Capital One Auto

Earnest

Personal Loans

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of Wisconsin

Apply at Earnest

LightStream

Personal Loans

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Wisconsin

Apply at LightStream

LightStream Auto

Personal Loans

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Wisconsin

Apply at LightStream Auto

OnDeck

Personal Loans

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of Wisconsin

Apply at OnDeck

Wisconsin Lending Laws

Wisconsin requires payday lenders to offer an extended repayment plan after the borrower's second consecutive rollover but imposes no APR ceiling on payday or personal installment loans.

The primary regulator for consumer lending in Wisconsin is the Wisconsin Department of Financial Institutions. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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