- Payday loans in Holmen 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 La Crosse, about 10 miles away.
Holmen at a glance
| Holmen | |
|---|---|
| Population (2024 Census estimate) | 11,866 |
| Change since 2020 | +10.2% (growing fast) |
| County | La Crosse County |
| Size rank among 561 Wisconsin places we cover | 83rd |
| Nearest larger city | La Crosse (about 10 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in La Crosse County | 5 |
| Other towns within 25 miles | 16 (about 102,155 residents) |
| Typical payday APR statewide (CRL 2023) | 537% |
Whether you borrow at a storefront in La Crosse or online from Holmen, the lender must hold a Wisconsin license from the Wisconsin Department of Financial Institutions and follow state limits.
Credit unions near Holmen
No credit union has its main office in Holmen, but these are based elsewhere in La Crosse County (NCUA, June 2026):
- Altra Federal Credit Union in Onalaska (federal charter — may offer payday alternative loans (PALs))
- Firefighters Credit Union in Onalaska (state charter)
- Gundersen Credit Union in La Crosse (state charter)
- Governmental Employees Credit Union in La Crosse (state charter)
- Marine Credit Union in La Crosse (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 Holmen
Key Wisconsin limits that apply to Holmen borrowers: 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 Holmen
The Center for Responsible Lending put the typical APR on a $400 payday loan in Wisconsin at 537% (June 2023). Wisconsin law sets no cap on payday loan fees, so prices vary widely by lender. Check any offer with our payday loan calculator.
Other help in La Crosse County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Holmen that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Towns near Holmen
- Onalaska · 6 mi
- Trempealeau · 8 mi
- Galesville · 9 mi
- West Salem · 10 mi
- La Crosse · 10 mi
- Ettrick · 14 mi
The nearest larger city is La Crosse, about 10 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 Holmen?
Yes. Payday loans are legal in Holmen under Wisconsin state law, and lenders must be licensed by the Wisconsin Department of Financial Institutions.
How much does a payday loan cost in Holmen?
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 Holmen?
No credit union is headquartered in Holmen, but Altra Federal Credit Union is based in Onalaska, also in La Crosse 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