Loans in St. Croix County, WI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for St. Croix County, WI.
The median household in St. Croix County earns $103,046 a year, 33% above the Wisconsin median of $77,485. About 7% of residents live below the federal poverty line, and 21.7% of households rent their home.
What you need for a payday loan in St. Croix County
Most St. Croix 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 St. Croix County
What St. Croix County borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in St. Croix 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 St. Croix County
Banks with branches in St. Croix County
22 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Community Bank | 4 | 109 E 2nd St, New Richmond 54017 |
| Hiawatha National Bank | 3 | 220 E Oak St, Glenwood City 54013 |
| Citizens State Bank | 3 | 375 Stageline Rd, Hudson 54016 |
| Associated Bank, National Association | 3 | 2200 Crest View Dr, Hudson 54016 |
| Pillar Bank | 1 | 990 Main Street, Baldwin 54002 |
| Nicolet National Bank | 1 | 404 Country Road Uu, Hudson 54016 |
| Wells Fargo Bank, National Association | 1 | 600 2nd St, Hudson 54016 |
| U.S. Bank National Association | 1 | 1101 Pearson Dr, Hudson 54016 |
| Old National Bank | 1 | 532 S Knowles Ave, New Richmond 54017 |
| The First National Bank of River Falls | 1 | 119 Union St, River Falls 54022 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in St. Croix County
10 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Royal | 355 S Knowles Ave, New Richmond 54017 |
| Westconsin | 1050 Cedar St, Baldwin 54002 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in St. Croix County
All Wisconsin counties and cities
Frequently asked questions
Are payday loans legal in St. Croix County?
St. Croix County follows Wisconsin law. Payday loans are legal in Wisconsin from lenders licensed by DFI under Wis.
Are title loans legal in St. Croix County?
Title loans are legal in Wisconsin from DFI-licensed lenders (s.
Where can I get a small loan in St. Croix County?
Options include 22 bank and 10 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 St. Croix County?
Fill out our short online form from anywhere in St. Croix 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 St. Croix County?
Yes. You don't need to visit a branch or storefront anywhere in St. Croix 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 St. Croix County with bad credit?
Yes, many lenders in our network work with St. Croix 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.
Where can I get a loan in St. Croix County, WI?
You can apply at banks, credit unions and lenders in St. Croix 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 a loan in St. Croix 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. St. Croix County residents can start any time, and it takes about 3 minutes.