Disclaimer

Not a Lender

WiscLoans.com is not a lender, loan broker, or financial institution. We are a loan-matching service that connects Wisconsin residents with our network of third-party lenders. We do not originate, fund, service, or collect loans. All loan offers are provided by independent lenders who are solely responsible for their terms, conditions, and lending decisions.

No Guarantee of Approval

Submitting a loan request through WiscLoans does not guarantee that you will receive a loan offer. Lender approval decisions depend on their own underwriting criteria, which may include but are not limited to: credit history, credit score, income, employment status, debt-to-income ratio, and banking history.

APR Disclosure

Personal loans through WiscLoans carry an APR (Annual Percentage Rate) ranging from 6.99% to 35.99%. The exact APR offered to you depends on your creditworthiness, loan amount, loan term, and the specific lender. APR represents the annualized cost of borrowing including any origination fees, but excludes late payment fees or other conditional charges.

Example: A $10,000 personal loan at 14.99% APR for 36 months has a monthly payment of approximately $346.79 and a total repayment cost of approximately $12,484.44, including $2,484.44 in interest.

Wisconsin Consumer Act

All lending facilitated through WiscLoans is subject to the Wisconsin Consumer Act, Chapters 421 through 429 of the Wisconsin Statutes, enforced by the Wisconsin Department of Financial Institutions (DFI). Wisconsin borrowers are entitled to:

• Full disclosure of APR, fees, and total cost of credit before signing
• A written loan agreement prior to any disbursement of funds
• Protection from unfair, deceptive, or abusive debt collection practices
• The right to file a complaint with the Wisconsin DFI at wdfi.org

No Financial Advice

The content on WiscLoans.com is provided for informational purposes only and does not constitute financial, legal, or tax advice. Always consult a qualified financial professional before making borrowing decisions. WiscLoans does not recommend any specific lender or loan product.

Geographic Availability

WiscLoans primarily serves Wisconsin residents. Loan availability varies by lender and may not be available in all areas or to all applicants. This service is not available in states where lending regulations prohibit our model.

Credit Impact

WiscLoans's initial matching process uses a soft credit inquiry and does not affect your credit score. Individual lenders may perform hard credit inquiries during their own application processes, which can temporarily affect your credit score. Multiple hard inquiries within a short period for the same purpose are typically treated as a single inquiry by FICO scoring models.

Third-Party Lender Responsibility

WiscLoans does not control the conduct of lenders in our network after a match is made. We are not responsible for lender fees, collection practices, or any aspect of the loan relationship. If you have a complaint about a lender's conduct, contact us at [email protected] and we will investigate and remove non-compliant lenders from our network where warranted.