Two Rivers, WI · Midwest · Allowed
Payday loans in Two Rivers
Two Rivers is governed by Wisconsin's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Wisconsin. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Two Rivers
13,019 residents · Manitowoc County/Manitowoc County Median household income is $50,597 — below the Wisconsin median of $63,148.
1 storefront location of 1 company listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1622 Washington St, 54241 | (920) 793-4800 | Mon 10:00 AM - 6:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Wisconsin page before visiting. Spot an error? Report it.
The online route in Two Rivers
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Wisconsin follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Wisconsin regulator.
The rules behind the numbers
Payday loans are high-cost credit agreements intended for short-term financial needs and should not be used as a long-term source of borrowing.
In practice: borrow $300 for a standard term and the finance charge is $60 — $360 repaid at the end, about 516% - 574% APR. Every compliant lender in Two Rivers has to fit inside that schedule.
Statute: Wis. Stat. § 138.14
Regulator: Wisconsin Department of Financial Institutions · dfi.wi.gov
Questions people ask in Two Rivers
Are payday loans legal in Two Rivers, WI?
Yes. Storefront payday lending is permitted across Wisconsin, and Two Rivers runs under the same state rules: maximum loan 1 loan at a time, fees capped at No fee cap (set by contract). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Two Rivers?
The same as anywhere in Wisconsin: state law sets the schedule. On a typical $300 loan the finance charge is about $60 — $360 repaid at the end of the standard term.
Which lenders have stores in Two Rivers?
1 storefront is listed in Two Rivers in our 2022-02-20 directory snapshot (1 different company). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Two Rivers?
Complaints about a lender go to the Wisconsin Department of Financial Institutions (dfi.wi.gov) — keep the loan agreement and every fee disclosure you were given.