- Payday loans in Ripon follow Wisconsin law (Wis. Stat. § 138.14).
- Wisconsin law sets no cap on payday loan fees, so prices vary widely by lender.
- 1 credit union is headquartered in Ripon; ask about small-dollar loans before borrowing.
Ripon at a glance
| Ripon | |
|---|---|
| Population (2024 Census estimate) | 7,716 |
| Change since 2020 | -1.7% (shrinking) |
| County | Fond du Lac County |
| Size rank among 561 Wisconsin places we cover | 127th |
| Nearest larger city | Oshkosh (about 18 miles) |
| Credit unions headquartered in town (NCUA) | 1 |
| Credit unions headquartered in Fond du Lac County | 3 |
| Other towns within 25 miles | 24 (about 156,902 residents) |
| Typical payday APR statewide (CRL 2023) | 537% |
Payday lending in Ripon follows Wisconsin state law. Lenders that serve Ripon, in a store or online, must be licensed by the Wisconsin Department of Financial Institutions.
Credit unions in Ripon
These credit unions have their main office in Ripon, according to NCUA call report data (June 2026):
- Golden Rule 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.
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Payday loan rules that apply in Ripon
The main Wisconsin rules for a payday loan in Ripon: 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 Ripon
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 Fond du Lac County before you borrow
- Call or text 211 for help with rent, utilities and food in Fond du Lac County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Ripon
The nearest larger city is Oshkosh, about 18 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 Ripon?
Yes. Payday loans are legal in Ripon under Wisconsin state law, and lenders must be licensed by the Wisconsin Department of Financial Institutions.
How much does a payday loan cost in Ripon?
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 Ripon?
Yes. NCUA data lists 1 credit union with a main office in Ripon, including Golden Rule Community 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