Car Title Loans in Wisconsin2026 Guide
Car title loans are legal in Wisconsin under the Licensed Lenders Act (Wis. Stat. § 138.09) up to $25,000 or 50% vehicle value. Learn 20-day Notice of Default rules, redemption rights, and surplus refund rules in 2026.
Legal Status & Regulations
Governing Law
Wis. Stat. § 138.09
Last Reviewed: April 2026
Law Summary
Wisconsin authorizes title loans under the Licensed Lenders Act (Wis. Stat. § 138.09) under the supervision of the Department of Financial Institutions (DFI). Loans are capped at $25,000 or 50% of the vehicle’s fair market value. Lenders must be state-licensed and send a mandatory written "Notice of Default" with a 20-day right to cure before repossessing a vehicle. Borrowers retain redemption rights, and all auction surplus must be refunded.
Real Rate Example in Wisconsin
A $1,500 loan in Wisconsin at a typical market rate of No cap APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Title Loans Union Editorial Team
Loan Regulations & Guides
Our editorial team monitors state statutes, interest rate ceilings, and car title loan regulations across all 50 states. We analyze legal statutes, state regulatory filings, and consumer protection policies to provide clear, unbiased analysis of borrowing requirements and costs.
*Last reviewed: June 2026. Always verify with your state's financial regulatory body before applying. Laws change frequently.
Quick Info Card
Max Loan Amount
$25,000
Max APR / Rate
No cap
Loan Term Range
Varies
Governing Body
WI Dept. of Financial Institutions