Wisconsin does not appear to have any interest limit laws whatsoever, however, all the laws state that this refers to "licensed lenders". It states that the Department of Financial Institutions licenses lenders that charge more than 18% annum. Does anyone know if this means that if my lender is not licensed they can't charge me more than 18% or does that mean they can't lend to me whatsoever. Also, they are legally required for the state of Wisconsin to notify my spouse that I have taken out a loan.


