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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Max Loan Amount
$25,000
Max APR / Rate
No cap
Loan Term Range
Varies
Governing Body
WI Dept. of Financial Institutions