Title Loans Wisconsin – 5 Best Title Loans in Wisconsin in 2021

Car title loans have been around for decades. Like payday loans, car title loans are a faster and easier way to access emergency cash. If you are looking for a quick and unguaranteed loan given to you despite bad credit and you own a motor vehicle, you should consider getting a car title loan.

Car title loans are offered by legal and licensed lenders, making them legitimate and safe options. This guide will help you dismiss any fears that you may have concerning car title loans. Discussed here in-depth are five of the best lenders to get car title loans from. Included are the pros and cons for each of them, allowing you to decide what works best for you.

#1 Wisconsin Car Title Loan in 2021 – Viva Payday Loans


Best Wisconsin Car Title Loans – Quick Pick:

  • Viva Payday Loans – Overall Best Car Title Loan Provider. Visit Now.
  • Credit Clock – Best For No Late Repayment Fees. Visit Now.
  • Money Lender Squad – Best For Clients With No Guarantors. Visit Now.
  • Very Merry Loans – Best For Same-day Payouts. Visit Now.
  • Heart Paydays – Good for the Lowest APR. Visit Now.

What are Wisconsin Car Title Loans?

Simply put, a title loan is an example of a short-term loan where the title of your vehicle is used as collateral.

The lender you choose will appraise your vehicle and determine its value. The lender will then choose to offer you a loan of about 25% to 50% of the value of your vehicle. Considering the value of your car, you may even get up to 50,000 dollars in select states.

Common Uses of Car Title Loans in Wisconsin

  • To pay off medical bills or any other emergency bill.
  • Deal with unexpected expenses.
  • To buy appliances that have broken down.
  • To finance a gift.
  • To help pay off vehicle repair fees.
  • To buy new furniture.
  • To help cater for vacation expenses.
  • To help supplement your emergency funds.

How to Qualify for Wisconsin Title Loans (Eligibility Criteria)

Emergencies may take a toll on your financial stability, and title loans are a trusted way that you can use to get the cash that you need fast with no checks required. You may be wondering how to get started if you have never applied for a car title loan before.

What makes title loans appealing to many people is that they are stress-free and easy to apply for. Once you’re certain that you have all the requirements, you can be sure that your application will be reviewed and approved in no time. Once you get the limit that you can borrow, it will be up to you to decide on the amount that you want.

Here are some requirements in order to be eligible for a title loan:

  1. Have a valid government-issued identification document.
  2. The vehicle used should be in your name.
  3. The title of your vehicle. The title should be free of any liens.
  4. Have documents that are required in your state like proof of residency, a valid car registration certificate, and proof of income.
  5. Once you’ve given out all the requirements, the approval process takes just half an hour to be completed.
  6. If you are unemployed, disabled, or retired, you can still qualify for a car title loan.

5 Best Title Loans in Wisconsin- Fully Reviewed

1. Viva Payday Loans  – Overall Best for Title Loans Wisconsin

Viva Payday Loans is undoubtedly one of the best bad credit payday loan providers you can find. The amount of money you can borrow depends on the value of your car. As a site built for brokers, everything can be done on the portal, from application to loan approval. This can take as few as two minutes to be completed.

This top lender may require additional documents to complete the process. All these are meant to establish that you have a clear car title that is in your name and that you have a source of income. Once you’ve accepted all the terms and conditions, the funds are deposited into your bank account. The loan is repaid using automatic monthly debit.

Lender Loan Amount Range Terms APR Fees Star Rating
LendUp $100 – $500 2 to 24 months 30% – 180% None 10/10
RiseCredit $500 – $5,000 2 to 24 months 50% – 299% None 10/10


  • The money is paid out on the same day.
  • A short application process, lasting just 5 minutes.
  • An approval waiting period of only two minutes.


  • It is unavailable in several states.

The rate of interest on these products may differ from one lender to another. However, the interest rate typically ranges from about 40% to 6%. You can be assured that this site does not turn down clients easily, and you can be sure to get a title loan even if you have a bad credit score, are unemployed, or do not have a credit record at all.

2. Credit Clock – Best for Bad Credit and No Credit Borrowers

Credit clock is another short-term loan broker with which you can get loans ranging from $5000 to $200. They offer a variety of products, including payday, title loans, and bad credit loans as well. Powered with a user-friendly and efficient website, you can be sure to complete the application quickly and have your funds within 24 hours.

Lender Loan Amount Range Terms APR Star Rating
OppLoans $500 – $4000 9 to 18 months Varies 10/10
GreenDay $100 – $5,000 24 months 5.99% – 35.99% 9/10


  • This site accepts all borrowers, including those affected by bad credit.
  • Clients enjoy a fast approval time of about 2 minutes.
  • You get money within 24 hours after applying.


  • This site only serves clients with minimum monthly earnings of $1000.

The approval rate of this lender is through the roof, and you can be sure to get your loan if you meet all requirements. It is worth noting that this lender only provides loan facilities to permanent residents of the United States.

3. Money Lender Squad – No Guarantor Needed for Title Loans

Moneylender Squad will offer you the lowest APR with no guarantor needed compared to any other lender in the United States. This site offers you payday loans even when you have bad credit. Once you’ve applied, the loan is instantly approved with no credit check. This site offers interest rates of about 36 to 400% APR.

All you need to do is fill in an online form and attach the supporting documents. This lender focuses mainly on creating an affordable product, and you can be assured that no hard credit check will be done.

They have a fast application process that lasts just a couple of minutes which is then sent to lenders who will approve the loan.

Lender Loan Amount Range Terms APR Fees Star Rating
OppLoans $500 – $400 2 to 48 months 99% – 160% None 10/10
RiseCredit $300 – $3,500 2 to 24 months 89% – 449% None 10/10


  • Clients can enjoy extended loan terms.
  • Have an easy application process that you can complete quickly and submit.
  • This lender does not require a guarantor.


  • The interest rate is higher for applicants with a small credit score.

The moneylender squad is powered by an efficient system that will get your loan request approved as fast as possible. Once you have submitted your application, you’ll only be required to wait for a few minutes before you get the feedback. Once your loan has been approved, you should expect it in your bank account after one business day.

4. Very Merry Loans – Best for Quick Applications and Speedy Deposits

Very merry loans are one of the most popular online loan portals that brokers between leading lenders and borrowers in the United States market. Even with a bad credit score, you will enjoy instant approval and get the money within an hour. This makes the site stand out amongst other competitors in the same market.

Once you have submitted your application for a loan, the system will reroute it to the leading lenders, who are more likely to approve your request. This site can offer you loans ranging from $5000 to $200 with loan terms that the client can select from. You should expect interest rates to vary between different vendors, but most will remain within the range of 6% to 36% interest rate.

Lender Loan Amount Range Terms Fees Star Rating
The cashNet USA $500 – $1000 8 to 31 days Fees are state-specific 9/10


  • This lender caters to all borrowers irrespective of credit score.
  • Users can choose extended loan repayment periods.
  • You can get approved for as much as $5000.


  • The interest rates on month-long loans are high.

As long as you are of legal age, an American citizen, and have a minimum monthly salary of more than $1000, you can be sure to apply and get approved. In addition, you may be required to produce proof of address and a government-issued identification document.

5. Heart Paydays – Best for Same Day Disbursement

Heart Paydays is the next loan portal you should give a try. It is popular Among US citizens with all their loan facilities accessible online. This portal is ideal for users with a bad credit score taking only about five minutes to apply.

The defining feature of this site is that you can apply for payday loans with bad credit and get the money in just one hour. If this is not the case, you can be sure to receive it within 24 hours. If you have been turned down by many lenders already for any reason, you will get assistance from this site. You can get short-term loans ranging from $2000 to $200 with a loan repayment period of two months.

Lender Loan Amount Range Terms Fees Star Rating
LendUp $100 – $500 30 days 17% – 50% 10/10
ACE Cash $200 – $2,000 7 to 30 days 3% 9/10


  • You do not require to make any phone calls or do paperwork.
  • Your loan can be disbursed within an hour.
  • The maximum disbursement time is 24 hours.


  • Some loan products may attract higher fees.

Heart paydays are particularly known for low APR rates on payday loans and title loans. The vendors on the portal offer competitive rates to get more business which means that clients can enjoy rates that are as low as 35.99%.

Features of Title Loans

The repayment period is normally 30 days.

The interest rate ranges from 8% to 25% monthly, which is equivalent to an APR that is higher than 300%.

This loan product is taken on the condition that you will repay it within a month. If you fail to repay the money in time, your car may be repossessed by the lender. It is, therefore, wise to ensure that you are in a position to pay up once the loan matures.

The lenders that have been listed in this article are trusted and legal businesses. Choosing the best lenders will mean that your car will be properly appraised, and you will not be charged any additional fees you are unaware of.

The loan amount you can borrow goes up to 50,000 US dollars depending on the value of your car and the lender that you choose.

Types of Title Loans in Wisconsin

Bad Credit Loans

If all regular lenders have rejected you, you may decide to get a guarantor. However, you can apply for title loans without a guarantor. There is no credit check for this product which means that anyone who qualifies can apply and get the money.

Finding a guarantor may be difficult, and this loan product helps many people get through financial difficulties. Title loans are secured loans which means you can enjoy lower interest rates.

The repayment time is short, typically only one month.

Get a bad credit title loan here >

No Credit Check Loans

Most car title loans are instantly approved with no need for credit checks. This means that you can enjoy this product even with a bad credit score. No credit check loans are ideal for people who do not have a credit score at all, making it difficult for them to get funds from regular lenders.

The lender will not do any hard credit score check; however, you will be required to provide information to establish your eligibility. If you can afford the loan and qualify for it, you can be confident that your credit status will not affect the approval of your loan application.

Get a no credit check title loan here >

Direct Lenders Online Loans

The portals discussed here efficiently cut out the middleman creating an avenue for lenders and borrowers to interact directly. This means that clients can enjoy lower fees and APR rates. This also creates a venue for competition as different lenders strive to make their loan products affordable.

The sites will be in charge of different processes, which include application, approval, and even the loan repayment process. Direct lenders offer a way for you to get money quickly before you get paid. With your car standing as security, you will enjoy the lowest interest rates.

Get a direct lenders title loan here >

Same-day Deposit Loans

Title loans should be completed quickly to have the money disbursed into your account as soon as possible. Once your loan has been approved, it will be disbursed and deposited into your account within 24 hours.

Once the funds arrive in your account, you’ll be expected to repay them within 30 days. Application and approval last only a couple of minutes, and some portals allow for 60-minute pay-outs.

Get a same day title loan here >

Unemployed Loans

Most mainstream lenders make it impossible to get a loan if you’re unemployed. Most banks will require that you have a traditional job to provide you with loan products. This means that they do not cater to various individuals like freelancers, among other professionals.

Even when you’re unemployed with bad credit, you can still apply for a car title loan if you meet all the requirements. You can get payday loans if you make at least $1000 every month without the insistence that it should be a typical job.

Get a unemployed title loan here >

SSI Benefits

If you are a social security recipient, you can get a cash advance to help you deal with a financial crisis. Once your payment is made, you can then happily pay the lender back. Receiving SSI benefits may also mean that you have a credit problem, and going to most typical lenders may not be an option for you.

A car title loan is a secured product that will get favorable approval and interest rates. As long as you demonstrate your ability to repay, you can be confident that you will receive the loan product.

Get a SSI benefits title loan here >

Title Loans Vs. Payday Loans

Both these options offer many people finances to deal with financial emergencies.

Payday Loans

Payday loans use post-dated checks that correspond to your payday as collateral to offer you the loan product. The amount of money you qualify for is dependent on the size of your salary. Payday loans usually range from $1000 to $100.

Other defining features of payday loans include:

  • A short loan term of between two weeks to one month.
  • The loan amount is typically small.
  • The average APR is 300%.
  • Requires applicants to be employed and have a checking account.
  • The main difference between car title loans and payday loans is that you can get more money with a car title loan.

Car Title Loans

This is a type of secured loan where your car title is used as collateral. This means that you can borrow more money ranging from $50000 to $2000 depending on various factors, including the value of your car. Many different vehicles can be used, including motorcycles and work trucks.

Other defining features are.

  • The loan term is usually longer compared to payday loans.
  • Clients enjoy lower interest rates of about 60 to 130 percent.
  • It can be used as a way of improving your credit score.

Advantages and Disadvantages of Title Loans

Car title loans are continuing to gain in popularity because of the many advantages they offer. Listed below are some of the advantages and disadvantages that come with getting title loans.


  • It does not require a hard credit check.
  • Provide faster ways of getting loans compared to traditional lenders.
  • Offer flexible conditions and rates.
  • You still get to drive your car as you work to repay the loan.


  • Your car may be repossessed if you do not repay the loan products on time.

How to Get Title Loans in Wisconsin

Step 1: Visit Viva Payday loans

Visit vivapaydayloans.com, which will direct you to a user-friendly interface. Click on the button on the top right side of your monitor that is labeled “Apply Now.” Choose the loan amount you require and input your email address.

Step 2: Complete the application form

Fill in the details required in the form, including your name and personal details. Your income and banking information will also be required.

Step 3: Get your Decision

The approval time is typically two minutes, and you can apply for and get your loan approved in one sitting. You will then get a message that will inform you whether your loan request was approved or declined.

Step 4: Receive your loan

Once you get a notification approving your loan, the lender will require you to read and sign a loan agreement. After signing and returning the agreement to the lender, your requested amount will be disbursed into your bank account.

Request Your Title Loan at our Top Rated Provider – Viva Payday Loans



What is a car title loan?

Can I still get this loan product with a bad credit score?

Is there collateral for this loan product?

Can I continue using my car during the loan period?

How much money can I borrow?

About Jayme Wium PRO INVESTOR

Jayme is a professional freelance writer specializing in personal finance, business, nutrition, botany and mental health. She has studied extensively in these fields and spends a considerable amount of her time creating content to help simplify complex concepts for the everyday person.