New Berlin, WI · Midwest · Allowed
Payday loans in New Berlin
New Berlin 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 New Berlin
39,803 residents · Waukesha County Median household income is $75,600 — above the Wisconsin median of $63,148.
| Nearest storefronts | Town | Phone |
|---|---|---|
| USA Payday Loans | West Allis 6 mi | (414) 328-5455 |
| Cash Store | Waukesha 7 mi | (262) 574-7511 |
| Security Finance | Waukesha 7 mi | (262) 446-3310 |
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 New Berlin
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 New Berlin has to fit inside that schedule.
Statute: Wis. Stat. § 138.14
Regulator: Wisconsin Department of Financial Institutions · dfi.wi.gov
Questions people ask in New Berlin
Are payday loans legal in New Berlin, WI?
Yes. Storefront payday lending is permitted across Wisconsin, and New Berlin 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 New Berlin?
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 New Berlin?
Our 2022-02-20 directory snapshot lists no storefront lenders in New Berlin — the closest listed locations are in West Allis, Waukesha.
Who regulates lenders in New Berlin?
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.