Loans in Monroe County, WI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Monroe County, WI.
The median household in Monroe County earns $69,467 a year, 10% below the Wisconsin median of $77,485. About 12% of residents live below the federal poverty line, and 27.2% 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 Monroe County
Here's what to have on hand before you start your payday loan request in Monroe 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 Monroe County
What Monroe County borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Monroe 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 Monroe County
Banks with branches in Monroe County
13 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| River Bank | 3 | 124 W Oak St, Sparta 54656 |
| Ergo Bank | 3 | 102 E South Railroad St, Kendall 54638 |
| CCFBank National Association | 2 | 1002 Mclean Ave, Tomah 54660 |
| Bank of Cashton | 1 | 724 Front St, Cashton 54619 |
| Bank First, N.A. | 1 | 110 W Veterans St, Tomah 54660 |
| Citizens First Bank | 1 | 835 W Wisconsin St, Sparta 54656 |
| State Bank Financial | 1 | 203 W Wisconsin St, Sparta 54656 |
| Park Bank, National Association | 1 | 145 N Water St, Sparta 54656 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Monroe County
9 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| R.I.A. | 1501 S 10Th Ave, Fort Mccoy 54656 |
| Westby Co-Op | 105 Randy Rd, Cashton 54619 |
| 1St Community | 1000 W Wisconsin St, Sparta 54656 |
| Oakdale | 128 E Badger Dr, Tomah 54660 |
| Tomah Area | 940 N Superior Ave, Tomah 54660 |
Source: NCUA credit union branch data, June 30, 2026.
All Wisconsin counties and cities
Frequently asked questions
Are payday loans legal in Monroe County?
Monroe County follows Wisconsin law. Payday loans are legal in Wisconsin from lenders licensed by DFI under Wis.
Are title loans legal in Monroe County?
Title loans are legal in Wisconsin from DFI-licensed lenders (s.
Where can I get a small loan in Monroe County?
Options include 13 bank and 9 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 Monroe County?
Fill out our short online form from anywhere in Monroe 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 Monroe 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. Monroe County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Monroe County, WI?
You can apply at banks, credit unions and lenders in Monroe 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 Monroe County?
Yes. When an unexpected bill comes up, Monroe 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 apply for a loan online in Monroe County?
Yes. You don't need to visit a branch or storefront anywhere in Monroe 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.