Online Payday Loans in Minnesota

Loans in Minnesota can go up to $350 with terms that can stretch out as far as 30 Days.

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Online Loan Terms

Maximum Loan Amount
Minimum Loan Term
Maximum Loan Term
30 Days
Maximum APR%
Max Simultaneous Loans
Minimum Age

Why get an Online Loan in Minnesota?

We get it. Sometimes, emergency expenses like boat repairs come up and you need to get cash immediately. At any rate, you don't have the income or credit to put it on your credit card.

Thankfully, getting an online loan in Minnesota is quick and easy. It doesn't matter if you live in Minneapolis, St. Paul, Rochester, or Chanhassen, you can you loan deposited the same business day or if applying after 11am, the next business day.

How Much do Online Payday Loans in Minnesota Cost?

The maximum annual percentage rate allowed by law in Minnesota is 700% APR.

Finance Charges

Often, the APR includes the interest rate plus fees. In Minnesota, lenders may charge a maximum of $5.50 fee on loans up to $50. $5 administrative fee plus 10% fee of on loans between $50 and $100. $5 administrative fee plus 7% of the loan amount on loans between $100 and $250. $5 administrative fee plus 6% of the loan amount on loans between $250 and $350. If the loan has not been paid in full after the maturity date, fees of 2.75% per month of the outstanding balance charged on a daily basis.

Representative Example

For example, Meryl has an unexpected boat repairs expense and needs cash immediately. They can borrow up to $350 for up to 30 days at 700% APR. The high APR can make this example loan extremely expensive; Meryl will pay back a total of $554 including a total of $204 in interest and fees!

What You Need

Before you can get an online loan in Minnesota, this is what you will need:

  • You must be at least 18 years old
  • Valid Minnesota driver license or government issued ID
  • Checking or savings account
  • Most recent pay stub

Terms for Online Payday Loans in Minnesota

Maximum loan terms in Minnesota:

  • Maximum loan amont: $350
  • Maximum rate, including fees: 700%
  • Maximum loan length: $350

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