Loans in Dane County, WI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Dane County, WI.
The median household in Dane County earns $89,975 a year, 16% above the Wisconsin median of $77,485. About 11% of residents live below the federal poverty line, and 42.9% of households rent their home.
What you need for a payday loan in Dane County
Here's what to have on hand before you start your payday loan request in Dane County:
- 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 Dane County
What Dane County borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
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 Dane 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 Dane County
Banks with branches in Dane County
132 FDIC-insured bank branches from 35 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Lake Ridge Bank | 16 | 610 W Main St, Waunakee 53597 |
| BMO Bank National Association | 13 | 127 Jefferson St, Oregon 53575 |
| Old National Bank | 11 | 23 W Main St, Madison 53703 |
| Associated Bank, National Association | 10 | 1603 Monroe St, Madison 53711 |
| The Park Bank | 10 | 2401 S Park St, Madison 53713 |
| One Community Bank | 9 | 5990 Us Highway 51, Mc Farland 53558 |
| U.S. Bank National Association | 9 | 1 S Pinckney St, Madison 53703 |
| JPMorgan Chase Bank, National Association | 8 | 22 E Mifflin St, Madison 53703 |
| UMB Bank, National Association | 4 | 119 Junction Rd, Madison 53717 |
| Wells Fargo Bank, National Association | 4 | 911 W Main St, Stoughton 53589 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Dane County
71 credit-union locations from 16 credit unions.
| Credit union | Location |
|---|---|
| Mississippi Public Employees | 5325 Wall St Ste 1000, Madison 53718 |
| Wings | 8010 Excelsior Dr, Madison 53717 |
| Connexus | 4617 Liuna Way, Deforest 53532 |
| Landmark | 1712 Monroe St, Madison 53711 |
| University Of Wisconsin | 1435 Monroe St, Madison 53711 |
| Summit | 4800 American Pkwy, Madison 53718 |
| Dupaco Community | 3762 E Washington Ave, Madison 53704 |
| Blackhawk Community | 1525 Us Highway 51 And 138, Stoughton 53589 |
| Heartland | 105 Enterprise Dr, Verona 53593 |
| Avestar | 701 W Main St Ste 179, Marshall 53559 |
| Madison | 949 E Washington Ave, Madison 53703 |
| Minnesota Catholic | 5325 Wall St Ste 1000, Madison 53718 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Dane County
All Wisconsin counties and cities
Frequently asked questions
Are payday loans legal in Dane County?
Dane County follows Wisconsin law. Payday loans are legal in Wisconsin from lenders licensed by DFI under Wis.
Are title loans legal in Dane County?
Title loans are legal in Wisconsin from DFI-licensed lenders (s.
Where can I get a small loan in Dane County?
Options include 132 bank and 71 credit-union 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 Dane County?
Fill out our short online form from anywhere in Dane 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.
Where can I get a loan in Dane County, WI?
You can apply at banks, credit unions and lenders in Dane 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 get an emergency loan in Dane County?
Yes. When an unexpected bill comes up, Dane County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Dane County with bad credit?
Yes, many lenders in our network work with Dane 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.
Can I get a loan in Dane 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. Dane County residents can start any time, and it takes about 3 minutes.