Car Title Loans

  • Get up to $25,000 online
  • No credit checks required
  • No store visit required
  • Keep driving your car while making payments
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Won't affect your credit score

Online title loans in Wisconsin

Get the money you need without the hassle. Sound Financial makes applying online for a title loan in Wisconsin simple, safe, and secure.

Instant decisions

Apply online and get an instant decision within seconds.

Same-day funding

Get your funds deposited in your account as soon as today.

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Wisconsin rates and terms

Full transparency is our goal at Sound Financial. Get access to the interest rates and terms to help you make a sound financial decision.

Loan amount

$200 - $25,000

Repayment term

30 - 180 days

APR range

36% - 350%

* Loan amount, repayment term, and APR shown are for representative purposes only. Your actual rates and terms will be determined by your lender based on your creditwortiness and other factors.

How title loans work in Wisconsin

Wisconsinites are tightening their belts all across America’s Dairyland as interest rates and inflation continue to rise. Whether you live in Madison, Racine, La Crosse, or the heart of Milwaukee, the story’s the same, especially if your credit score means lenders aren’t exactly jumping at the chance to let you borrow money.

There is hope, though. A title loan could be exactly what you need to get through that tough financial spot.

What is a title loan?

Not sure what a title loan is? It’s a type of secured loan, unlike credit cards and personal loans. It’s closer to an auto loan or a mortgage since the value of the car or home is the basis for the loan itself.

However, unlike mortgages and car loans, there is no credit check required for a title loan. It’s based strictly on the value of the car and your ability to repay the money borrowed. Furthermore, the interest rates tend to be high and you risk losing your car if you're unable to repay.

Learn: Can you get a title loan with bad credit?

Wisconsin title loan requirements

Like all types of loans, title loans have a few requirements. They’re pretty minimal, you'll need:

  • A Wisconsin driver’s license or state-issued ID
  • A lien-free vehicle title
  • Proof of income
  • Proof of residency in Wisconsin
  • A running vehicle

Learn: Can I get a title loan without the title?

In addition to those simple requirements, you will also need to be 18 years old or older and you cannot be an active-duty member of the US military.

The title loan process

How do you get funding through a title loan? Unlike other products, these loans are straightforward. You’ll need to follow six basic steps:

1. Application

The first step is to complete the online application. You’ll need to provide some basic information about yourself, your job, and your vehicle.

2. Verification

After you apply, the lender will verify the information you submitted. This usually takes very little time.

3. Inspection

Title loan lenders base part of their decision and the amount to offer on the condition of the vehicle. Some lenders allow you to send pictures as proof, but others require an in-person, same-day inspection.

Learn: Can you get a title loan with a damaged car?

4. Agreement

After inspecting the car, the lender will make an offer. You’ll read over the agreement and, if you want to move forward, sign it, and send it back.

5. Disbursement

Once you’ve submitted the signed agreement, the lender will deposit your funds into your bank account.

Learn: Can you get a title loan without a bank account?

6. Repayment

You’ll follow the lender’s schedule (outlined in the agreement) and repay the loan over time. Once your loan is paid in full, you will get your title back from the lender.

Learn: What happens if you don’t pay a title loan back?

How title loans are regulated in Wisconsin

Title loans in Wisconsin are currently regulated under Wisconsin Statutes § 138.16 et seq.

Title loans are legal in Wisconsin. However, the state sets specific limits here. For instance, the maximum loan term is 180 days. The maximum loan amount is $25,000 and the minimum is $100. Lenders are also limited to changing no more than 25% per month in interest.

Cost considerations and title loan alternatives

The cost of a title loan in Wisconsin is dependent on your loan amount and your APR. Here are a few examples to help illustrate the true cost of a title loan.

  • Example 1: You borrow $1,000 at an APR of 300% and pay it back in 30 days.
    If you took out a $1,000 loan and paid it back in 30 days, you would pay a total of $1,250 back to your lender in 1 payment. In this example, you’re paying $250 in finance charges to borrow $1,000.
  • Example 2: You borrow $1,000 at an APR of 300% and pay it back in 6 months.
    If you borrowed $1,000 and paid it back in 6 months, you would pay a total of $2,032.92 back to your lender in 6 payments of $338.82. In this example, you’re paying $1,032.92 in finance charges to borrow $1,000.

Personal installment loans: A better and more affordable way to borrow money with bad credit

All title loans come with higher-than-usual interest rates. And because your car is the security for the loan, not being able to make your payments might mean losing the vehicle. Thankfully, there are alternatives to title loans, even for people with bad credit.

For instance, personal installment loans for bad credit borrowers allows you to access between $200 and $3,000 and then repay that amount in installments. While your credit score is checked, these types of loans are specifically offered to people in your situation.

Frequently asked questions

Here are some of the most commonly asked questions that we get regarding Wisconsin title loans.

Can I qualify for a title loan with bad credit?

Yes! You can qualify for a title loan with bad, low, or no credit. Your credit score plays no role in the lending decision. Instead, it’s based on the value of your vehicle and your ability to repay the loan.

Can I get a title loan completely online with no credit check and no inspection?

Yes! You can apply for a title loan completely online without having to check your credit. However, inspections are required. Your vehicle’s condition affects the amount the lender will loan you or whether they will offer a loan in the first place.

Will I receive the funds from my title loan instantly?

That depends on when you complete the process (including the inspection). Most people who complete the process by 2 pm EST receive their money the same day.

Do you offer car title loans near me?

Yes! We offer title loans nearby through direct title loan lenders in many cities in Wisconsin, including:

  • Appleton
  • Beaver Dam
  • Beloit
  • Brookfield
  • Cudahy
  • De Pere
  • Eau Claire
  • Fitchburg
  • Fond du Lac
  • Franklin
  • Green Bay
  • Greenfield
  • Janesville
  • Kenosha
  • La Crosse
  • Madison
  • Manitowoc
  • Marshfield
  • Menasha
  • Menomonie
  • Mequon
  • Middleton
  • Milwaukee
  • Muskego
  • Neenah
  • New Berlin
  • Oak Creek
  • Oconomowoc
  • Onalaska
  • Oshkosh
  • Racine
  • Sheboygan
  • South Milwaukee
  • Stevens Point
  • Sun Prairie
  • Superior
  • Watertown
  • Waukesha
  • Wausau
  • Wauwatosa
  • West Allis
  • West Bend
  • Wisconsin Rapids
Customer reviews

Success stories from real people like you

Read real reviews from the many satisfied customers who chose Sound Financial for a title loan.

Jameson W.
star star star star star

I have taken out a title loan in the past and I can say much better experience with Sound.

Yusef K.
star star star star star

First time getting a title loan and this site made it super easy. They were upfront about fees and payments, which was hard to find, and the process was smooth.

Dennis M.
star star star star star

Best place to get this type of financing, hands down!

George V.
star star star star star

I appreciated the transparency and honesty of this marketplace. No hidden fees or surprises and exceedingly good customer service. A more than positive experience!

Paulina S.
star star star star star

Helped me find the right loan for my situation and did well in answering all my questions. 5⭐s!!!!

Jaime B.
star star star star star

I’ve been around the block a few times w/ these types of online loans and Sound is refreshing. Didn’t feel like I was being taken and it felt like they genuinely had my best interest at heart.

Ian G.
star star star star star

Ran into money trouble and came to Sound Financial for a title loan. Was pleasantly surprised by their quality of service (not typical). Very appreciative.

Creisha J.
star star star star star

Glad to see that there is a company out there that actually cares for borrowers with bad credit. 🤗❤️ Thank you!!

Antoinette C.
star star star star star

M/O 3 here with lackluster credit, so a title loan was my only resort. Sound helped me find a lender AND understand how to properly manage my repayment. Forever grateful.

Roderick T.
star star star star star

PROS: I was able to keep my car, fantastic customer care, site gave me all the pertinent details… CONS: None… Add me to the “another satisfied customer” list.

Wisconsin title loans in 30 minutes or less.

Get the cash you need with our fast and flexible title loans. Apply now and see how we can help you today.

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