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Stearns County, Minnesota (MN)

Pawn Shops in St. Cloud, MN

1 lender in St. Cloud, MN · 1 lists hours · 1 open Saturday · 1 verified in the last 30 days · + 1 reported, not yet verified

Looking for a pawn shop near you in St. Cloud, Minnesota? We list 1 lender location in St. Cloud with its address, phone number, opening hours and, where Minnesota publishes it, license status. Last checked October 9, 2026.

Open now or opening soon

Other lenders reported in St. Cloud

These stores appear in public data but are not yet verified, so they have no page here. Call ahead before you go.

Found in OpenStreetMap (seen Oct 15, 2026). Not yet matched to a state license or the brand's own store list.

St. Cloud lenders at a glance

St. Cloud, in Stearns County (population 72,145), has 1 lender location in our directory: 1 pawn shop, all in ZIP code 56301. The chain with the most stores here is EZPAWN (1). The only store here that publishes hours is open on Saturday but not on Sunday. The nearest other city with lenders is Waite Park, about 4 miles away, with 1 location.

Stores by loan type
Pawn shops 1
County
Stearns County
ZIP code
56301
Hours (1 store lists them)
Open Saturday: 1
Open until 7 pm or later on weekdays: 1

Rules for lenders in St. Cloud

St. Cloud has no local payday or title loan ordinance in our records, so Minnesota state law applies.

  • 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

All rules: Minnesota lending rules.

Questions people ask

How many pawn shops are in St. Cloud, MN?

We list 1 pawn shop in St. Cloud, checked against their sources as of October 9, 2026.

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)).

Which lenders have the most stores in St. Cloud?

EZPAWN (1 store).

Are any lenders in St. Cloud open on weekends?

The only store here that publishes hours is open on Saturday but not on Sunday. Holiday hours can differ, so call ahead.

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

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. EZPAWN store locator (MN) · 1 location Last verified Oct 15, 2026
  2. 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
  3. 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.