Loans in Manitowoc County, WI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Manitowoc County, WI.
The median household in Manitowoc County earns $69,148 a year, 11% below the Wisconsin median of $77,485. About 10% of residents live below the federal poverty line, and 22.9% of households rent their home.
What you need for a payday loan in Manitowoc County
Here's what to have on hand before you start your payday loan request in Manitowoc 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 Manitowoc County
What Manitowoc County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Manitowoc 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 Manitowoc County
Banks with branches in Manitowoc County
16 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank First, N.A. | 7 | 402 N 8th St, Manitowoc 54220 |
| Associated Bank, National Association | 2 | 1121 Franklin St, Manitowoc 54220 |
| Collins State Bank | 2 | 20741 County Road Jj, Collins 54207 |
| Cleveland State Bank | 1 | 1250 W Washington Ave, Cleveland 53015 |
| U.S. Bank National Association | 1 | 1617 Washington St, Manitowoc 54220 |
| Wells Fargo Bank, National Association | 1 | 3600 Calumet Ave, Manitowoc 54220 |
| Nicolet National Bank | 1 | 860 N Rapids Rd, Manitowoc 54220 |
| BMO Bank National Association | 1 | 1013 S 8th St, Manitowoc 54220 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Manitowoc County
16 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Community First | 1100 S 30Th St, Manitowoc 54220 |
| Fox Communities | 4102 Calumet Ave, Manitowoc 54220 |
| Kohler | 1818 S Rapids Rd, Manitowoc 54220 |
| Unitedone | 1117 S 10Th St, Manitowoc 54220 |
| Premier Financial | 530 Fremont St, Kiel 53042 |
| Shoreline | 3131 Mishicot Rd, Two Rivers 54241 |
| Holy Family Memorial | 2300 Western Ave, Manitowoc 54220 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Manitowoc County
All Wisconsin counties and cities
Frequently asked questions
Are payday loans legal in Manitowoc County?
Manitowoc County follows Wisconsin law. Payday loans are legal in Wisconsin from lenders licensed by DFI under Wis.
Are title loans legal in Manitowoc County?
Title loans are legal in Wisconsin from DFI-licensed lenders (s.
Where can I get a small loan in Manitowoc County?
Options include 16 bank and 16 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 Manitowoc County?
Fill out our short online form from anywhere in Manitowoc 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 apply for a loan online in Manitowoc County?
Yes. You don't need to visit a branch or storefront anywhere in Manitowoc 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 Manitowoc County with bad credit?
Yes, many lenders in our network work with Manitowoc 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 an emergency loan in Manitowoc County?
Yes. When an unexpected bill comes up, Manitowoc 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.
Where can I get a loan in Manitowoc County, WI?
You can apply at banks, credit unions and lenders in Manitowoc 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.