Online Title Loans in Wisconsin

There are many ways that an average Wisconsin consumer can stand to benefit from a title loan. This is a special type of loan that is in many cases available to even consumers who have some credit issues in their past.

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If you’re concerned that you cannot be approved for a traditional loan because of a credit problem, you should look into what a title loan is.

Generally speaking, the only particularly important factor in judging an applicant’s loan worthiness for a title loan is whether or not that individual possesses a vehicle. With these loans, the vehicle is held as collateral.


If you want to take out title loans in Wisconsin, the lender is going to scrutinize your vehicle in determining whether or not you’re eligible for a loan. On the other hand, your credit history won’t be as important as it would be if you were applying for a traditional loan.

A few things you need to know about applying for online title loans in Wisconsin

While title loans do differ from traditional loans in several ways, they are like traditional loans in that they require the prospective borrower to submit an application. However, one advantage is that this application is quite simple. Another advantage is that it’s possible to fill out this application online and submit it without ever having to set foot in the office of a banker or financial institution.

There’s nothing more convenient than the application process for these loans. In fact, the details that need to be required in order to complete a title loans application in Wisconsin are very basic and most applicants will have them memorized and not need to consult any documents in order to submit this details.

There are two different type of details that need to be submitted, personal details and vehicle details.

Personal details

The personal details that need to be submitted to apply for title loans from Velocity Cash are somewhat similar to the personal details that need to be submitted in order to apply for any type of loan.

The applicant is of course going to need to supply their name and address. A phone number is also going to be necessary because, after applying, the applicant will be contacted by a representative from the lender. Because the application is filled out and submitted online, an email address is going to be necessary in order to get things going. Also, the zip code of the applicant is going to be an important factor because it could influence exactly what type of loan is available to that particular applicant.

Vehicle details

After entering some personal details, it’s also going to be necessary to describe the vehicle that’s going to be held up as collateral for the particular application. The lender is going to use the description entered on the application in order to come up with an estimate on the overall value of the vehicle. Because the vehicle is collateral, its value is an important indicator of how much the applicant is eligible to borrow. Vehicle details that will be entered on the application for title loans in Wisconsin will include the following:

  • The number of miles on the odometer of the vehicle in question
  • The manufacturer of the vehicle
  • Which model the vehicle is
  • What year the vehicle was produced by the manufacturer in

How state law affects the loans available to Wisconsin residents

States have the freedom to come up with their own laws and regulations about how these loans work. Title loans in Wisconsin are subjected to some limits according to state law that any borrower should be aware of before applying.

Wisconsin law limits the amount of money a consumer can borrow through a title loan. This limit is set at either 50 percent of the value of the collateral vehicle or $25,000. The borrower cannot borrow more than $25,000 on a title loan regardless of how much the vehicle is worth.

Wisconsin title loansThere is no limit on the interest rate that a title loan lender can charge in Wisconsin. On the other hand, there is a limit of six month on the maximum allowable loan term for title loans in Wisconsin.

Benefits of the title loans that consumers can take advantage of

Consumers can enjoy benefits from title loans that they might not necessarily be able to enjoy from a traditional loan or another type of loan. The following are some of the unique benefits offered by this special type of loan:

  • Credit history leniency- One of the biggest reasons why consumers take out these loans is because they don’t necessarily have to have a flawless credit history or a high credit score. Even those with credit blemishes can fairly easily be approved.
  • Convenience of applying- Applying online takes a lot of the hassle out of getting approved for a loan. Those who apply for title loans can do so over the Internet and don’t have to make an appointment to interview or apply in person.
  • Flexibility- Title loan lenders enjoy a lot of flexibility, and those who borrow from them benefit from this flexibility. They can help consumers to find a feasible repayment schedule.

A few things you need to know about title loans factors

There are a lot of misconceptions out there about how Wisconsin title loans work. It’s important to realize that title loans are not the same thing as either payday loans or cash advances. A Wisconsin title loan is simply a loan that uses the borrower’s vehicle as collateral. It does not have anything to do with upcoming paychecks.

One important factor regarding title loans is whether the borrower has a lien on the title. If a vehicle purchase was financed, the borrower might have a title lien. In this case, an adequate amount of equity in the vehicle is necessary to be approved.

AppletonLa CrosseRacine Title Loans
BrookfieldManitowocStevens Point Title Loans
CusterMenomonee FallsSun Prairie Title Loans
Eau Claire Title LoansMilwaukee Title LoansSuperior
EdgertonMount PleasantWaukesha, WI
FootvilleNeenah TitleWausau
Fond du Lac, WINew BerlinWauwatosa, WI
FranklinOak CreekWest Allis
Green Bay Title LoansOshkoshWest Bend
Janesville, WIMilton
Kenosha Title Loans

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