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Part of the LendNation chain · locations
LendNation in Oak Creek, WI
Oak Creek, WI LendNation at 120 E Drexel Ave offers fast payday and title loans.
Data compiled from public sources · Rating from CreditDoc methodology
LendNation Review
Located at 120 E Drexel Ave in Oak Creek, WI, the LendNation storefront is a standalone location offering quick financial solutions. The branch operates Monday through Friday from 10 AM to 6 PM, making it accessible during standard business hours for Oak Creek residents and nearby communities.
This Oak Creek location specializes in payday loans and title loans, designed for those needing fast access to funds. You can reach the branch directly at 414-764-2200 to discuss your needs and loan options. The team at this location works to provide straightforward lending solutions with transparent terms.
If you're an Oak Creek resident facing unexpected expenses, this LendNation branch offers a quick alternative when you need funds fast. Bring a valid ID, proof of income, and banking information to complete your application. LendNation focuses on accessible lending for customers in your area.
Services & Features
Check cashing
Direct deposit services
In-store loan applications
Insight Mobile Banking cards
Instant debit card funding
Money services (general category)
Multi-pay payday loans (installment payday loans with terms up to 36 months)
Online payday loan applications
Payday loans ($100-$1,000, short-term)
Store locator and location services
Title installment loans
Title loans (vehicle-based loans, multiple vehicle types)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Multiple loan products (payday, title, installment) accommodating different borrowing needs and repayment capacities
- Fast funding options including instant debit card funding and same-day cash availability
- Extended loan terms up to 36 months on multi-pay installment loans, potentially reducing monthly payment burden
- 200+ locations across 11 states plus online application for accessibility
- Title loans allow borrowing against vehicle equity while retaining vehicle use
- Accepts various vehicle types (cars, trucks, motorcycles, boats, ATVs, RVs) for title loans depending on state
- Simple, quick online application process with instant pre-approval decision
Cons
- No APR rates or fee structures disclosed on website, making cost comparison difficult before applying
- Payday loans carry inherently high interest rates and fees typical of the payday lending industry
- Short repayment cycles on payday loans (due at next payday) create risk of rollover debt and repeated borrowing
- Title loans require putting vehicle at risk of repossession as collateral
- Multi-pay installment loans offer terms up to 36 months but actual rates and total cost not provided
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
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Frequently Asked Questions
Is LendNation legitimate?
Yes. LendNation is a registered company, headquartered in 120 E Drexel Ave, Oak Creek, WI 53154.
Quick Facts
- Headquarters
- 120 E Drexel Ave, Oak Creek, WI 53154
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on LendNation
LendNation is best for consumers with immediate cash needs ($100-$1,000) who can repay within 2 weeks, or vehicle owners seeking larger amounts with flexible terms. The primary caveat is that payday and title loans carry high interest rates and fees (not disclosed on website); consumers must verify actual costs and state regulations before borrowing, as these products can lead to debt cycles if used repeatedly.
Best For
- Workers facing unexpected emergencies with 1-2 weeks until payday who need $100-$1,000 quickly
- Vehicle owners needing larger amounts with longer repayment periods (title loan borrowers)
- Consumers in states where LendNation operates seeking in-store application and immediate cash
Updated 2026-04-29
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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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