Loans in Buffalo County, WI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Buffalo County, WI.
The median household in Buffalo County earns $70,479 a year, 9% below the Wisconsin median of $77,485. About 8% of residents live below the federal poverty line, and 22.5% of households rent their home. 10.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Buffalo County
Most Buffalo County applicants can finish in one sitting if they have these ready:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Buffalo County
What Buffalo County borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Buffalo County
Payday Loans Legal
Payday loans are legal in Wisconsin from lenders licensed by DFI under Wis.
Personal Loans
No rate cap for DFI-licensed lenders; license needed above 18%.
Title Loans Legal
Title loans are legal in Wisconsin from DFI-licensed lenders (s.
Banks and credit unions in Buffalo County
Banks with branches in Buffalo County
9 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Waumandee State Bank | 3 | 46 S Main St, Fountain City 54629 |
| Alliance Bank | 3 | 245 S Eau Claire St, Mondovi 54755 |
| Bank of Alma | 2 | 211 S Main St, Alma 54610 |
| CCFBank National Association | 1 | 203 E Main St, Mondovi 54755 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Buffalo County. The nearest counties with credit unions:
Credit unions in Trempealeau County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Royal | 18567 Scranton St, Whitehall 54773 |
| Co-Op | 17578 N Main St, Galesville 54630 |
| Arcadia | 535 Dettloff Dr, Arcadia 54612 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Eau Claire County
24 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Royal | 200 Riverfront Ter, Eau Claire 54703 |
| Westconsin | 1111 W Clairemont Ave, Eau Claire 54701 |
| Marine | 3406 Oakwood Hills Pkwy Ste 100, Eau Claire 54701 |
| Superior Choice | 3250 N Clairemont Ave, Eau Claire 54703 |
| Co-Op | 326 E Lincoln Ave, Fall Creek 54742 |
Source: NCUA credit union branch data, June 30, 2026.
All Wisconsin counties and cities
Frequently asked questions
Are payday loans legal in Buffalo County?
Buffalo County follows Wisconsin law. Payday loans are legal in Wisconsin from lenders licensed by DFI under Wis.
Are title loans legal in Buffalo County?
Title loans are legal in Wisconsin from DFI-licensed lenders (s.
Where can I get a small loan in Buffalo County?
Options include 9 bank locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Buffalo County?
Fill out our short online form from anywhere in Buffalo County. We share it with lenders in our network that serve Wisconsin; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get a loan in Buffalo County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Buffalo County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Buffalo County, WI?
You can apply at banks, credit unions and lenders in Buffalo County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Wisconsin residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I apply for a loan online in Buffalo County?
Yes. You don't need to visit a branch or storefront anywhere in Buffalo County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Wisconsin. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Buffalo County with bad credit?
Yes, many lenders in our network work with Buffalo County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.