- Payday loans in Dane follow Wisconsin law (Wis. Stat. § 138.14).
- Wisconsin law sets no cap on payday loan fees, so prices vary widely by lender.
- The nearest larger city is Madison, about 11 miles away.
Dane at a glance
| Dane | |
|---|---|
| Population (2024 Census estimate) | 1,111 |
| Change since 2020 | -0.4% (holding steady) |
| County | Dane County |
| Size rank among 561 Wisconsin places we cover | 353rd |
| Nearest larger city | Madison (about 11 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Dane County | 6 |
| Other towns within 25 miles | 37 (about 552,102 residents) |
| Typical payday APR statewide (CRL 2023) | 537% |
There is no separate Dane payday law: Wisconsin rules apply here, and any lender serving Dane residents, online or in person, needs a license from the Wisconsin Department of Financial Institutions.
Credit unions near Dane
No credit union has its main office in Dane, but these are based elsewhere in Dane County (NCUA, June 2026):
- Madison Credit Union in Madison (state charter)
- University of Wisconsin Credit Union in Madison (state charter)
- Madison Fire Department Credit Union in Madison (state charter)
- Wea Credit Union in Madison (state charter)
- Heartland Credit Union in Madison (state charter)
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
Payday loan rules that apply in Dane
In short, Wisconsin rules that cover Dane include: maximum loan: $1,500 or 35% of your gross monthly income, whichever is less; loan term: 90 days or less; renewals: one renewal; 24-hour cooling-off period after repaying a renewed loan. See the full Wisconsin payday loan rules.
What a $300 loan costs in Dane
Wisconsin law sets no cap on payday loan fees, so prices vary widely by lender. Statewide, the typical APR on a $400 payday loan was 537% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Dane County before you borrow
Before a payday loan, Dane residents can usually find something cheaper:
- Local assistance through 211 covering Dane County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Dane
The nearest larger city is Madison, about 11 miles away. See all 561 Wisconsin cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Dane?
Yes. Payday loans are legal in Dane under Wisconsin state law, and lenders must be licensed by the Wisconsin Department of Financial Institutions.
How much does a payday loan cost in Dane?
Wisconsin law sets no cap on payday loan fees, so prices vary widely by lender. The typical statewide APR was 537% in 2023.
Where is the nearest credit union to Dane?
No credit union is headquartered in Dane, but Madison Credit Union is based in Madison, also in Dane County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Wisconsin DFI — Licensed financial services FAQ
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary