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Part of the LendNation chain · locations
LendNation in West Allis, WI
West Allis, WI — LendNation payday loans at 2755 S 108th St, open Mon-Fri 9AM-6PM and Sat 9AM-1PM.
Data compiled from public sources · Rating from CreditDoc methodology
LendNation Review
LendNation at 2755 S 108th St in West Allis, WI is a standalone payday and title loan storefront serving the South Side community. The location is conveniently situated for West Allis residents and commuters needing quick access to short-term lending solutions. It's open Monday through Friday from 9AM to 6PM and Saturday from 9AM to 1PM, keeping extended hours to accommodate working customers.
The West Allis LendNation store specializes in payday loans and title loans, providing fast approval and funding for customers with immediate cash needs. Staff can walk you through the application process and answer questions about loan terms, fees, and repayment options. Call +1 414-328-5455 to ask about current rates, eligibility requirements, or to schedule an appointment.
If you're a West Allis resident facing an unexpected expense or temporary cash shortfall, this location offers a quick alternative to traditional bank loans. Bring a valid government ID, proof of income, and banking information to speed up the application process. LendNation specializes in fast short-term lending when you need it most.
Services & Features
Check cashing
Direct deposit
In-store loan applications
Insight Mobile Banking cards
Instant debit card funding
Money services
Multi-pay installment loans (up to 36 months)
Online loan applications
Online payday loans
Payday loans ($100–$1,000)
Same-day cash funding
Title installment loans
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- San Antonio Bandera Road location has operated continuously since 2005
- 4.8 out of 5 Google rating from 161 customer reviews
- Instant debit card funding enables same-day cash receipt
- Installment loans available with repayment terms up to 36 months
- Multiple loan types (payday, installment, title) under one roof
- Apply online or in-store — dual-channel access
- Saturday hours available (9:00 AM – 1:00 PM)
Cons
- APR rates for payday and title loans not disclosed on the location page
- Title loans carry vehicle repossession risk if payments are missed
- Closed Sundays — no weekend emergency access on the day most needed
- Products and online access vary by state — not all services available everywhere
- Payday loans due on next payday can create repeat borrowing cycles for cash-strapped borrowers
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 2755 S 108th St, West Allis, WI 53227.
Quick Facts
- Headquarters
- 2755 S 108th St, West Allis, WI 53227
- 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 borrowers who need immediate short-term cash and have limited access to traditional credit, especially those who value an in-person experience at an established, highly-rated local branch. The main caveat is that payday and title loan APRs are typically very high — title loans additionally carry vehicle repossession risk — so these products are appropriate only for genuine short-term emergencies when lower-cost alternatives have been exhausted.
Best For
- Borrowers needing $100–$1,000 cash before their next paycheck with no other credit access
- Vehicle owners seeking a title-secured loan with scheduled payments and longer terms
- Customers who prefer in-person service at an established local storefront
- Borrowers who need funds the same day and can use instant debit card funding
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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