River Falls, WI · Midwest · Allowed
Payday loans in River Falls
River Falls 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 River Falls
17,656 residents · Pierce County / St. Croix County/Pierce County Median household income is $63,516 — above the Wisconsin median of $63,148.
| Nearest storefronts | Town | Phone |
|---|---|---|
| Cash Store | Hudson 10 mi | (715) 381-3130 |
| Security Finance | Hudson 10 mi | (715) 381-7235 |
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 River Falls
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 River Falls has to fit inside that schedule.
Statute: Wis. Stat. § 138.14
Regulator: Wisconsin Department of Financial Institutions · dfi.wi.gov
Questions people ask in River Falls
Are payday loans legal in River Falls, WI?
Yes. Storefront payday lending is permitted across Wisconsin, and River Falls 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 River Falls?
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 River Falls?
Our 2022-02-20 directory snapshot lists no storefront lenders in River Falls — the closest listed locations are in Hudson.
Who regulates lenders in River Falls?
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.