La Crosse, WI

Credit Repair & Financial Services in La Crosse

Compare 5 credit repair companies, personal lenders, and financial services in La Crosse, Wisconsin. All independently reviewed with BBB ratings and pricing.

Wisconsin avg credit score: 720 Median income: $72,458 Poverty rate: 10.6% Payday loans: Legal Wisconsin overview →

Top Rated in La Crosse

5 companies
Citizens State Bank of LA Crosse logo

Citizens State Bank of LA Crosse

FDIC-insured community bank with locations in Clayton, La Crosse, Onalaska, Eau Claire, and Altoona, Wisconsin, offering checking, savings, mortgages, and business accounts.

4.2/5
Contact BBB:

Best for: Wisconsin residents seeking personalized community banking with high-touch customer service, Small business owners and farmers in central Wisconsin looking for relationship-based lending

Coulee Bank logo

Coulee Bank

FDIC-insured community bank in La Crosse, WI offering personal and business banking, mortgages, SBA loans, and savings products with local commitment.

4.2/5
Contact BBB:

Best for: Small business owners seeking SBA-backed financing with personalized service from a Preferred Lender, Wisconsin and Upper Midwest residents who prefer local community banking relationships over large national chains

State Bank Financial logo

State Bank Financial

FDIC-insured bank offering personal and business checking, savings, home loans, and credit products with 160+ years of banking history and a focus on local communities.

4.2/5
Contact BBB:

Best for: Small business owners seeking local relationship banking with treasury management and specialized lending, Agricultural customers needing FSA loans, crop financing, and farm-focused financial products

Catholic Charities - LA Crosse, Inc. logo

Catholic Charities - LA Crosse, Inc.

Catholic Charities of the Diocese of La Crosse provides non-profit assistance to individuals and families facing poverty, housing instability, and other hardships.

4.0/5
Contact BBB: NR

Best for: Families facing housing instability or homelessness seeking comprehensive support, Individuals in the La Crosse Diocese area needing poverty relief and community assistance

Cccs of Sheboygan logo

Cccs of Sheboygan

NFCC-approved nonprofit credit counseling organization serving Wisconsin and Minnesota with free financial assessments, debt management, and homeowner education.

4.0/5
Contact BBB: NR

Best for: Wisconsin and Minnesota residents with debt, poor credit, or financial confusion seeking free professional guidance, First-time credit counseling clients who value non-judgmental education and empowerment over aggressive debt tactics

Banks in La Crosse

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Citizens State Bank of LA Crosse logo

Citizens State Bank of LA Crosse

FDIC-insured community bank with locations in Clayton, La Crosse, Onalaska, Eau Claire, and Altoona, Wisconsin, offering checking, savings, mortgages, and business accounts.

4.2/5
Contact BBB:

Best for: Wisconsin residents seeking personalized community banking with high-touch customer service, Small business owners and farmers in central Wisconsin looking for relationship-based lending

Coulee Bank logo

Coulee Bank

FDIC-insured community bank in La Crosse, WI offering personal and business banking, mortgages, SBA loans, and savings products with local commitment.

4.2/5
Contact BBB:

Best for: Small business owners seeking SBA-backed financing with personalized service from a Preferred Lender, Wisconsin and Upper Midwest residents who prefer local community banking relationships over large national chains

State Bank Financial logo

State Bank Financial

FDIC-insured bank offering personal and business checking, savings, home loans, and credit products with 160+ years of banking history and a focus on local communities.

4.2/5
Contact BBB:

Best for: Small business owners seeking local relationship banking with treasury management and specialized lending, Agricultural customers needing FSA loans, crop financing, and farm-focused financial products

Free Help in La Crosse

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Catholic Charities - LA Crosse, Inc. logo

Catholic Charities - LA Crosse, Inc.

Catholic Charities of the Diocese of La Crosse provides non-profit assistance to individuals and families facing poverty, housing instability, and other hardships.

4.0/5
Contact BBB: NR

Best for: Families facing housing instability or homelessness seeking comprehensive support, Individuals in the La Crosse Diocese area needing poverty relief and community assistance

Cccs of Sheboygan logo

Cccs of Sheboygan

NFCC-approved nonprofit credit counseling organization serving Wisconsin and Minnesota with free financial assessments, debt management, and homeowner education.

4.0/5
Contact BBB: NR

Best for: Wisconsin and Minnesota residents with debt, poor credit, or financial confusion seeking free professional guidance, First-time credit counseling clients who value non-judgmental education and empowerment over aggressive debt tactics

Your Rights in Wisconsin

Wisconsin Consumer Protections: Wisconsin is one of the most permissive states for payday lending, with no rate cap for licensed lenders. Effective APRs can exceed 500%. The Department of Financial Institutions requires licensing but does not limit rates. Consumers should exercise extreme caution and can file complaints with DFI or the Attorney General.

Interest Rate Cap: Wisconsin usury cap: No general usury cap for licensed lenders; payday loans legal with no rate cap.

Key Regulations:
  • Wisconsin has no usury cap for licensed lenders, allowing unlimited payday loan rates.
  • Payday loans are governed by the Wisconsin Consumer Act but without rate caps.
  • Licensed lenders must disclose APR and fees but are not limited by them.
  • The Wisconsin Consumer Act provides basic protections but does not cap payday rates.

Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).

Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with Wisconsin Attorney General Consumer Protection Bureau.

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