- Payday loans in Oshkosh follow Wisconsin law (Wis. Stat. § 138.14).
- Wisconsin law sets no cap on payday loan fees, so prices vary widely by lender.
- 4 credit unions are headquartered in Oshkosh; ask about small-dollar loans before borrowing.
Oshkosh at a glance
| Oshkosh | |
|---|---|
| Population (2024 Census estimate) | 67,242 |
| Change since 2020 | +0.5% (holding steady) |
| County | Winnebago County |
| Size rank among 561 Wisconsin places we cover | 9th |
| Share of Wisconsin’s population | 1.1% |
| Nearest larger city | Appleton (about 20 miles) |
| Credit unions headquartered in town (NCUA) | 4 |
| Credit unions headquartered in Winnebago County | 7 |
| Other towns within 25 miles | 31 (about 301,446 residents) |
| Typical payday APR statewide (CRL 2023) | 537% |
Whether you borrow at a storefront in Appleton or online from Oshkosh, the lender must hold a Wisconsin license from the Wisconsin Department of Financial Institutions and follow state limits.
Credit unions in Oshkosh
These credit unions have their main office in Oshkosh, according to NCUA call report data (June 2026):
- Winnebago Community Credit Union (state charter)
- Ripple Credit Union (state charter)
- Verve, A Credit Union (state charter)
- Oshkosh Community Credit Union (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 Oshkosh
Key Wisconsin limits that apply to Oshkosh 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 Oshkosh
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 Winnebago 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 Oshkosh 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 Oshkosh
The nearest larger city is Appleton, about 20 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 Oshkosh?
Yes. Payday loans are legal in Oshkosh under Wisconsin state law, and lenders must be licensed by the Wisconsin Department of Financial Institutions.
How much does a payday loan cost in Oshkosh?
Wisconsin law sets no cap on payday loan fees, so prices vary widely by lender. The typical statewide APR was 537% in 2023.
Are there credit unions in Oshkosh?
Yes. NCUA data lists 4 credit unions with a main office in Oshkosh, including Winnebago Community Credit Union and Ripple Credit Union.
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