明尼苏达州分期贷款和当铺

明尼苏达州的放贷规定

发薪日贷款（延期兑现支票贷款）

• 消费者小额贷款（发薪日式贷款，包括收费延迟兑现个人支票的协议）是指$350或以下、一次性还清的短期无担保贷款。官方原文（英文）：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. 来源： Minn. Stat. § 47.60, subd. 1(a) · 核实于2026年10月9日
• 消费者小额贷款机构收取的年利率（APR）最高为50%，不允许收取其他费用或款项。官方原文（英文）：A consumer small loan lender may charge an annual percentage rate of up to 50 percent, and no other charges or payments are permitted. 来源： Minn. Stat. § 47.60, subd. 2(a) · 核实于2026年10月9日
• 消费者小额贷款的期限不得超过30个日历日。官方原文（英文）：The term of a consumer small loan may be no more than 30 calendar days. 来源： Minn. Stat. § 47.60, subd. 2(b) · 核实于2026年10月9日
• 消费者小额贷款不得用同一贷款机构的另一笔贷款的款项来偿还，借款人同一时间只能有一笔此类未结清的贷款。官方原文（英文）：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. 来源： Minn. Stat. § 47.60, subd. 2(f) · 核实于2026年10月9日
• 非金融机构的企业在向明尼苏达州居民发放消费者小额贷款之前，必须向商务专员（Commissioner of Commerce）备案，每个营业地点缴纳$250的费用。官方原文（英文）：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. 来源： Minn. Stat. § 47.60, subd. 3 · 核实于2026年10月9日

分期贷款和消费金融贷款

• 消费者短期贷款是指$1,300或以下、并要求在60天内至少偿还超过本金25%的贷款。官方原文（英文）：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. 来源： Minn. Stat. § 47.601, subd. 1(e) · 核实于2026年10月9日

明尼苏达州的贷款机构由Minnesota Department of Commerce, Division of Financial Institutions颁发执照。您可以在其执照查询中查询任何执照。另请参阅明尼苏达州在线贷款机构和应用。