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Lincoln County, Wisconsin (WI)

Payday & Installment Loans in Merrill, WI

1 lender in Merrill, WI · 1 lists hours · 1 open Saturday · 1 verified in the last 30 days

Looking for a payday or installment loan near you in Merrill, Wisconsin? We list 1 lender location in Merrill with its address, phone number, opening hours and, where Wisconsin publishes it, license status. Last checked October 9, 2026.

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Merrill lenders at a glance

Merrill, in Lincoln County (population 9,445), has 1 lender location in our directory: 1 payday loan store and 1 installment lender (some stores offer more than one type), all in ZIP code 54452. The chain with the most stores here is Check 'n Go (1). The only store here that publishes hours is open on Saturday but not on Sunday. The nearest other city with lenders is Wausau, about 15 miles away, with 4 locations.

Stores by loan type
Payday loans 1
Installment loans 1
County
Lincoln County
ZIP code
54452
Hours (1 store lists them)
Open Saturday: 1

Rules for lenders in Merrill

Merrill has no local payday or title loan ordinance in our records, so Wisconsin state law applies.

  • A Wisconsin payday loan has a term of 90 days or less. Source: Wis. Stat. § 138.14(1)(k) · verified Oct 9, 2026 · medium confidence
  • After maturity, a payday lender may charge up to 2.75% per month on an outstanding payday loan balance, calculated daily; no interest accrues on accrued interest. Source: Wis. Stat. § 138.14(10)(a)2 · verified Oct 9, 2026 · medium confidence
  • Wisconsin imposes no limit on the interest or finance charge a payday lender may charge before the maturity date of a payday loan. Source: Wis. Stat. § 138.14(10)(a)1 · verified Oct 9, 2026 · medium confidence
  • A customer may repay a payday loan with proceeds of a subsequent payday loan only once; no further rollovers are permitted. Source: Wis. Stat. § 138.14(12)(a) · verified Oct 9, 2026 · medium confidence

All rules: Wisconsin lending rules.

Questions people ask

How many payday loan stores are in Merrill, WI?

We list 1 payday loan store and 1 installment lender in Merrill, checked against their sources as of October 9, 2026.

Are payday loans legal in Wisconsin?

Yes. Payday lenders operate in Wisconsin under state rules. For example: A Wisconsin payday loan has a term of 90 days or less (Wis. Stat. § 138.14(1)(k)).

Which lenders have the most stores in Merrill?

Check 'n Go (1 store).

Are any lenders in Merrill open on weekends?

The only store here that publishes hours is open on Saturday but not on Sunday. Holiday hours can differ, so call ahead.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. Check 'n Go locations (WI) · 1 location Last verified Oct 15, 2026
  2. Wis. Stat. § 138.14(1)(k), Wis. Stat. § 138.14(10)(a)2, Wis. Stat. § 138.14(10)(a)1, Wis. Stat. § 138.14(12)(a), Wis. Stat. § 138.14(11r), Wis. Stat. § 138.14(1)(c), (14), Wis. Stat. § 138.14(2), (5), Wis. Stat. § 138.14(4)(b), Wis. Stat. § 138.14(4)(c) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · medium confidence
  3. Wis. Stat. § 138.16(2)(a) · Title loans Last verified Oct 9, 2026 · medium confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.