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Part of the LendNation chain · locations
LendNation in Greenfield, WI
Greenfield, WI payday loan location: LendNation at 4645 S 27th St provides fast cash advances and title loans.
Data compiled from public sources · Rating from CreditDoc methodology
LendNation Review
Located at 4645 S 27th St in Greenfield, WI, LendNation is a standalone payday and title loan storefront. The Greenfield location is open Monday–Friday 9 AM–6 PM and Saturday 9 AM–1 PM, closed Sundays.
At this Greenfield branch, customers can apply for payday loans, title loans, and short-term lending solutions. For more information or to discuss your lending needs, call 414-282-6661 during business hours.
If you're a Greenfield resident needing quick cash for an unexpected expense, LendNation offers streamlined applications with minimal documentation. Bring a valid ID, proof of income, and information about an active bank account.
Services & Features
Check cashing services
Direct deposit
In-store loan applications and customer service
Insight Mobile Banking cards
Instant debit card funding for approved loans
Money orders and bill payment services
Multi-pay payday loans (up to 36-month installment terms)
Online payday loan applications
Payday loans ($100–$1,000 short-term cash advances)
Store locator tool for multi-state location access
Title installment loans
Title loans (vehicle-secured longer-term loans)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- 200+ locations across 11 states with established physical presence and local availability
- Multiple loan products (payday, multi-pay installment, title loans) to match different repayment capacities
- Instant online application with immediate pre-approval decisions
- Same-day cash access or instant debit card funding option
- Extended business hours (9 AM–6 PM weekdays, Saturday morning hours) for in-person access
- Multi-pay terms up to 36 months with flexible payment schedules (bi-weekly, semi-monthly, monthly)
- Title loans allow borrowers to retain vehicle use while borrowing against equity
- High customer satisfaction rating (4.8/5 on Google Reviews with 161 reviews)
Cons
- No APR, interest rates, or fee schedules disclosed on the website—cost comparison impossible without contacting company
- Title loans require surrendering vehicle title as collateral, creating repossession risk if payments missed
- Payday loan structure encourages debt cycles through short terms and lump-sum repayment on payday
- No mention of credit counseling, financial education, or alternatives to debt available on site
- Limited eligibility information provided; proof of income, credit score requirements, and state-specific restrictions not detailed
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is LendNation legitimate?
Yes. LendNation is a registered company, headquartered in 4645 S 27th St, Greenfield, WI 53221.
Quick Facts
- Headquarters
- 4645 S 27th St, Greenfield, WI 53221
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on LendNation
LendNation is appropriate for borrowers facing immediate cash emergencies who have exhausted all lower-cost alternatives (employer advances, credit union PALs, family loans, payment plans with creditors). The critical caveat: specific APR and fee structures are hidden until application, and these loan products are significantly more expensive than traditional personal loans or credit—they should be used as emergency bridges only, not regular financing solutions.
Best For
- Borrowers with vehicle equity needing larger loans than payday amounts allow, with flexible 36-month repayment
- Workers with irregular income who prefer multi-pay installment structures over single lump-sum payday obligations
- San Antonio-area residents who value in-person loan processing and same-day funding convenience
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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