Loans in Eau Claire County, WI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Eau Claire County, WI.
The median household in Eau Claire County earns $74,546 a year, about the same as the Wisconsin median of $77,485. About 12% of residents live below the federal poverty line, and 39.0% of households rent their home.
What you need for a payday loan in Eau Claire County
Most Eau Claire 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 Eau Claire County
What Eau Claire County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Eau Claire 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 Eau Claire County
Banks with branches in Eau Claire County
25 FDIC-insured bank branches from 16 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 3 | 131 S Barstow St, Eau Claire 54701 |
| CCFBank National Association | 3 | 219 Fairfax St, Altoona 54720 |
| Unity Bank | 2 | 207 W Lincoln St, Augusta 54722 |
| BMO Bank National Association | 2 | 228 Water St, Eau Claire 54703 |
| Associated Bank, National Association | 2 | 319 E Grand Ave, Eau Claire 54701 |
| Wells Fargo Bank, National Association | 2 | 2910 Mall Dr, Eau Claire 54701 |
| Oakwood Bank | 2 | 1214 W Lincoln St, Augusta 54722 |
| Merchants Bank, National Association | 1 | 2728 Mall Dr, Eau Claire 54701 |
| Nicolet National Bank | 1 | 1010 W Clairemont Ave, Eau Claire 54701 |
| Frandsen Bank & Trust | 1 | 4251 Southtowne Dr, Eau Claire 54701 |
Source: FDIC BankFind Suite, retrieved Oct 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.
Cities in Eau Claire County
All Wisconsin counties and cities
Frequently asked questions
Are payday loans legal in Eau Claire County?
Eau Claire County follows Wisconsin law. Payday loans are legal in Wisconsin from lenders licensed by DFI under Wis.
Are title loans legal in Eau Claire County?
Title loans are legal in Wisconsin from DFI-licensed lenders (s.
Where can I get a small loan in Eau Claire County?
Options include 25 bank and 24 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 Eau Claire County?
Fill out our short online form from anywhere in Eau Claire 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 Eau Claire 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. Eau Claire County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Eau Claire County?
Yes. You don't need to visit a branch or storefront anywhere in Eau Claire 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 an emergency loan in Eau Claire County?
Yes. When an unexpected bill comes up, Eau Claire 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 Eau Claire County with bad credit?
Yes, many lenders in our network work with Eau Claire 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.