- Payday loans in Stoddard 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 11 miles away.
Stoddard at a glance
| Stoddard | |
|---|---|
| Population (2024 Census estimate) | 915 |
| Change since 2020 | +9.2% (growing fast) |
| County | Vernon County |
| Size rank among 561 Wisconsin places we cover | 382nd |
| Nearest larger city | La Crosse (about 11 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Vernon County | 1 |
| Other towns within 25 miles | 11 (about 99,512 residents) |
| Typical payday APR statewide (CRL 2023) | 537% |
Payday lending in Stoddard follows Wisconsin state law. Lenders that serve Stoddard, in a store or online, must be licensed by the Wisconsin Department of Financial Institutions.
Credit unions near Stoddard
No credit union has its main office in Stoddard, but these are based elsewhere in Vernon County (NCUA, June 2026):
- Westby Co-Op Credit Union in Westby (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 Stoddard
The main Wisconsin rules for a payday loan in Stoddard: 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 Stoddard
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 Vernon County before you borrow
- Call or text 211 for help with rent, utilities and food in Vernon 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 Stoddard
The nearest larger city is La Crosse, 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 Stoddard?
Yes. Payday loans are legal in Stoddard under Wisconsin state law, and lenders must be licensed by the Wisconsin Department of Financial Institutions.
How much does a payday loan cost in Stoddard?
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 Stoddard?
No credit union is headquartered in Stoddard, but Westby Co-Op Credit Union is based in Westby, also in Vernon 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