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WI · LOAN-AGMT · Updated July 2026 · Free

Wisconsin Loan Agreement

Review Status: PendingAuthor: Editorial TeamMethodology: Statutory Verification

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Wisconsin at a glance: Default Interest: 5% · Maximum Written: No limit (must be written) · Governing Law: Wisconsin Statutes Chapter 138

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Overview

Loan Agreements in Wisconsin

Wisconsin has no statutory limit on interest rates if the rate is written and agreed to in a signed contract.
Key Facts

Wisconsin Loan Agreement — Quick Reference

RequirementWisconsin Rule
Default Interest5%
Maximum WrittenNo limit (must be written)
Governing LawWisconsin Statutes Chapter 138
Legal Requirements

Wisconsin Legal Requirements

  • Interest rates above 5% must be specified in writing.
Governing Laws

Wisconsin Governing Laws

Wis. Stat. § 138.04
Legal Rate of Interest
Defines contract default interest rates.

Read the full text of these laws at Cornell Law School's Wisconsin legal resources or your state legislature's official website.

Questions & Answers

Wisconsin Loan Agreement — Frequently Asked Questions

What is the default contract interest rate in Wisconsin?

5% per year.