Car Title Loans in Wisconsin2026 Guide
Wisconsin allows title loans with a $25,000 limit.
Legal Status & Regulations
Governing Law
Wis. Stat. § 138.09
Last Reviewed: April 2026
Law Summary
Wisconsin title loans are regulated under the Licensed Lenders Act (Wis. Stat. § 138.09). The maximum loan amount is $25,000 or 50% of the vehicle's value. While there is no interest rate cap, lenders must be licensed and provide a "Notice of Default" and a 20-day right to cure before repossession can occur. Wisconsin law also requires that if a vehicle is repossessed, the lender must provide a notice of intent to sell and allow the borrower to redeem the vehicle by paying the full amount due. Any surplus from the sale of a repossessed vehicle must be returned to the borrower.
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
Consumer Finance & State Regulations Research
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