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Minnesota (MN) lender directory

Installment Loans & Pawn Shops in Minnesota

Looking for a lender near you in Minnesota? Pick your city below. We list 20 stores in 20 Minnesota cities, built from lenders' own store pages. Data last checked October 9, 2026.

Payday loans in Minnesota: rates capped at 50% →

Lenders by city

Lending rules in Minnesota

Payday loans (deferred presentment)

  • A consumer small loan (payday-style loan, including an agreement to defer presenting a personal check for a fee) is a short-term, unsecured loan of $350 or less repaid in a single installment. Source: Minn. Stat. § 47.60, subd. 1(a) · verified Oct 9, 2026
  • A consumer small loan lender may charge an annual percentage rate of up to 50 percent, and no other charges or payments are permitted. Source: Minn. Stat. § 47.60, subd. 2(a) · verified Oct 9, 2026
  • The term of a consumer small loan may be no more than 30 calendar days. Source: Minn. Stat. § 47.60, subd. 2(b) · verified Oct 9, 2026
  • A consumer small loan must not be repaid with the proceeds of another loan from the same lender, and a borrower may have only one such loan outstanding. Source: Minn. Stat. § 47.60, subd. 2(f) · verified Oct 9, 2026
  • A business that is not a financial institution must file with the Commissioner of Commerce, with a $250 fee per place of business, before making consumer small loans to Minnesota residents. Source: Minn. Stat. § 47.60, subd. 3 · verified Oct 9, 2026

Installment and consumer finance loans

  • A consumer short-term loan is a loan of $1,300 or less that requires a minimum payment of more than 25 percent of the principal within 60 days. Source: Minn. Stat. § 47.601, subd. 1(e) · verified Oct 9, 2026

Lenders in Minnesota are licensed by the Minnesota Department of Commerce, Division of Financial Institutions. You can look up any license in its license search. See also online lenders and apps in Minnesota.

Questions people ask

Are payday loans legal in Minnesota?

We list no payday loan stores in Minnesota. A consumer small loan lender may charge an annual percentage rate of up to 50 percent, and no other charges or payments are permitted (Minn. Stat. § 47.60, subd. 2(a)).

How many installment lenders are in Minnesota?

We list 15 installment lenders and 5 pawn shops in Minnesota, in 20 cities.

Which Minnesota cities have the most lenders?

Baxter (1), Bloomington (1), Breckenridge (1), Crystal (1) and East Grand Forks (1).

How much can lenders charge in Minnesota?

A consumer small loan lender may charge an annual percentage rate of up to 50 percent, and no other charges or payments are permitted (Minn. Stat. § 47.60, subd. 2(a)). More limits are listed under the state rules on this page.

How do I check a lender's license in Minnesota?

Lenders in Minnesota are licensed by the Minnesota Department of Commerce, Division of Financial Institutions. You can look up a license in its online license search, or use NMLS Consumer Access for lenders licensed through NMLS.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.

  1. OneMain Financial branches (MN) · 15 locations Last verified Oct 15, 2026
  2. EZPAWN store locator (MN) · 5 locations Last verified Oct 15, 2026
  3. Minn. Stat. § 47.60, subd. 1(a), Minn. Stat. § 47.60, subd. 2(a), Minn. Stat. § 47.60, subd. 2(b), Minn. Stat. § 47.60, subd. 2(f), Minn. Stat. § 47.60, subd. 3 · Payday loans (deferred presentment) Last verified Oct 9, 2026 · high confidence
  4. Minn. Stat. § 47.601, subd. 1(e) · Installment and consumer finance loans Last verified Oct 9, 2026 · high confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.