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Minnesota Payday Loan

Known as the “Land of 10,000 Lakes,” our great state of Minnesota consists primarily of prairies, forests and, of course, lakes. Throughout the spring and summer seasons, we participate in a number of outdoor activities involving water, particularly water skiing, boating, canoeing and fishing. In fact, more than a third of the state’s residents fish! But while we love being surrounded by lakes, they do have a tendency to cause problems at night and during heavy fog days — you just never know when you’re going to fall or drive into one! And even with so much water surrounding us, it still doesn’t protect us from those dreaded emergency expenses!

But you know what does? CashNetUSA! With their simple 5-minute online application, instant approval** and free next business day funding,* getting money in a hurry has never been easier. CashNetUSA payday loans in Minnesota offer a great solution to our immediate financial needs, especially at times when we need it most! And best of all, there’s always someone to talk to since their customer service is available 24/7 via phone, email or live chat!

New Customers: Use Promo Code CASHNET50 on Your First Loan

Save 50% on the initial loan fee of your first payday loan or receive a 50% rebate on the interest or fees of the first two payments of your first installment or installment-payday loan, respectively. Promo code not valid for the CashNetUSA line of credit product.+++

With a Minnesota payday loan, you can get the money you need in three easy steps:

  1. Apply: CashNetUSA’s online application takes just minutes to complete — you never have to leave your home!
  2. Get approved: CashNetUSA offers instant approval,** even if you have less-than-perfect credit!
  3. Get funded: Upon instant approval, money is deposited into your checking account by the next business day!*

Is Getting a Minnesota Payday Loan without a Job Possible?

If you’re unemployed and living in Minnesota, you are NOT eligible to receive a payday loan. Since the final step in the process is repaying your loan, you must have a steady source of income to do so. But rather than searching for a payday loan provider within our state, focus on finding a job that you enjoy. Here are some statistics you should keep in mind when doing so:

  • The median household income in Minnesota was $55,621 in 2009.
  • From 2005 through 2009, it took a person aged 16+ an average of 22.2 minutes to get to work in Minnesota.
  • In 2009, nearly 11% of Minnesotans were below the poverty level.

Minnesota Loan Fee Schedule


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Payday Loans in Minnesota with CashNetUSA Get to Know Our State Better

In addition to being called the “Land of 10,000 Lakes,” our state is also known (in smaller circles) as the “Land of 10,000 Tidbits.” Here are a few:

Fun facts about Minnesota
  • In the state of Minnesota, mosquitoes are declared a public nuisance.
  • If you don’t have a reason to stand near a building, move away. If you don’t, you might be considered a vagrant and charged with a misdemeanor.
  • In the town of Cottage Grove, residents of even-numbered houses may not water their gardens and lawns on odd-numbered days.

*CashNetUSA and third-party lender funds are generally deposited via ACH for delivery next business day if approved by 9pm CT Mon. – Thu. or by 7pm CT Sun.

CA residents: CashNetUSA California Finance Lenders License file no. 603 H010, DE residents: Licensed by Delaware State Bank Commissioner License #9546 Exp. 12/31/2014, OH residents: Ohio Credit Services Organization Certificate of Registration no. CS.900076.000.

**Not all loan applications or extension requests are approved. Due to state and verification requirements, not all applicants for online loans may be eligible for instant approval by CashNetUSA or third-party lenders.

***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria.

†CashNetUSA or third-party lender does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases including, but not limited to, Clarity. If you have defaulted on past transactions, you may be declined for a cash advance from CashNetUSA.

‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

++Please see Rates and Terms to check the availability of online loans and extensions in your state. CashNetUSA is not a lender in all states. In some states, CashNetUSA will (i) act as a Credit Service Organization to arrange a loan between you and a third-party lender, or (ii) in Texas, act as a Credit Access Business between you and a third-party lender.

+++If you are a Payday, CSO, or CAB customer, discount will be applied to the initial loan fee, CSO fee, or CAB fee, respectively. If you are an Installment or Installment-Payday customer, the rebate shall be calculated by multiplying the percent discount by the first two scheduled installment payments of your loan. However, the rebate shall not exceed the actual amount of accrued interest paid on the Installment loan or fees paid on the Installment-Payday loan. Rebate shall be paid via bank account ACH credit upon full repayment of the loan, and is contingent upon a minimum of two installment payments made. Discount not valid for the CashNetUSA line of credit product. Promotions are not available in all states. Please see your state's Rates and Terms for additional details. Unless otherwise specified, promo codes must be entered at the time of application, can be used only once, and may not be combined with any other offers or Preferred Member benefits.

1Must be 21 years of age for Mississippi residence and 19 years of age for Alabama and Delaware residence.

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.