- Payday loans in St. Cloud 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 Fond du Lac, about 14 miles away.
St. Cloud at a glance
| St. Cloud | |
|---|---|
| Population (2024 Census estimate) | 493 |
| Change since 2020 | +0.8% (holding steady) |
| County | Fond du Lac County |
| Size rank among 561 Wisconsin places we cover | 482nd |
| Nearest larger city | Fond du Lac (about 14 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Fond du Lac County | 3 |
| Other towns within 25 miles | 33 (about 232,730 residents) |
| Typical payday APR statewide (CRL 2023) | 537% |
Payday lending in St. Cloud follows Wisconsin state law. Lenders that serve St. Cloud, in a store or online, must be licensed by the Wisconsin Department of Financial Institutions.
Credit unions near St. Cloud
No credit union has its main office in St. Cloud, but these are based elsewhere in Fond du Lac County (NCUA, June 2026):
- Compassionate Care Credit Union in Fond Du Lac (state charter)
- Golden Rule Community Credit Union in Ripon (state charter)
- Fond Du Lac Credit Union in Fond Du Lac (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.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
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Payday loan rules that apply in St. Cloud
The main Wisconsin rules for a payday loan in St. Cloud: 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 St. Cloud
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 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 St. Cloud
- Mount Calvary · 3 mi
- Glenbeulah · 6 mi
- Elkhart Lake · 8 mi
- New Holstein · 10 mi
- Kiel · 10 mi
- Plymouth · 12 mi
The nearest larger city is Fond du Lac, about 14 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 St. Cloud?
Yes. Payday loans are legal in St. Cloud under Wisconsin state law, and lenders must be licensed by the Wisconsin Department of Financial Institutions.
How much does a payday loan cost in St. Cloud?
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 St. Cloud?
No credit union is headquartered in St. Cloud, but Compassionate Care Credit Union is based in Fond Du Lac, also in Fond du Lac 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