Payday Loans in Minnesota | Cash Advance in Minnesota

Home » Payday Loans in Minnesota | Cash Advance in Minnesota


A payday advance (also called a payday loan) is a short-term cash advance that can be used by someone to help with small, typically unforeseen costs. Payday loans are short-term in nature and not intended to be utilized for long-term financing or for larger purchases like major electronics, a home, or a car. Payday loans are a safe and convenient way to access instant cash and allow an individual to stretch their purchasing power to help cover small, unexpected expenses. Whether you’re struggling with holiday or vacation costs or back-to-school expenses or need assistance with unanticipated bills or repairs, Payday Loans in Minnesota can help you.

Minnesota is the 12th largest state by area and the 22nd most populous in the United States. It is known as the “Land of 10,000 Lakes” and is located in the upper midwest region of the U.S., with borders of Lake Superior (shared with Michigan), Wisconsin, Iowa, North Dakota, South Dakota, as well as Canada to the North. Minnesota is home to more than 5.6 million people (as of 2019 estimates), with more than 4 million of them located in the “Twin Cities” region of Minneapolis and St. Paul.

Minnesota has a thriving and diversified economy after shifting much of its focus from raw materials to products and services. An estimated 33 of the 1,000 largest companies by revenue are headquartered in Minnesota, including 3M, Ameriprise, Best Buy, General Mills, Hormel, Land O’ Lakes, Supervalu, Target, and UnitedHealth Group.

Even if you have a good job working at one of the companies mentioned above or another like Wal-Mart, Starbucks, or Home Depot, there may be a time when you find yourself with unexpected expenses that you cannot afford. If that happens, a payday loan can help you bridge the gap to get you back on firm financial footing. If you have a steady job with a consistent paycheck, a payday loan can provide money fast to cover an unexpected expense.

How much can I borrow in Minnesota?

Minnesota cash advances can range from $50 to $1,000 (or more) depending on your needs and a few other factors. The qualifications for payday loans are usually less strict than for conventional loans. When you fill out the Direct Payday Loans online application, we will connect you with our network of local lenders. If you accept the terms of a payday loan, one of our lenders will charge a small fee (in the form of interest) in exchange for getting you the cash you need.  The interest charges along with the initial amount borrowed (the principal amount), will typically be due on your next payday.

If you need a little extra cash before you receive your next paycheck, a fast and easy cash advance may be the perfect solution. We’ll help you get the money you need today, so you can keep living your normal life and focus on the things that matter to you. When using Direct Payday Loans, you can:

  • Get same-day cash in minutes
  • Review clearly defined terms and conditions
  • Access an instant payday advance quickly and easily, with no paper check or faxing required
Borrow Responsibly!

We strongly suggest that every individual create a budget and spending plan before even applying for a payday loan. You should think through the timing and amount of your next income to ensure you will be able to pay back the loan principal amount, interest, and any other fees on your next payday.

If you can not pay the full loan amount on your next payday, many lending institutions will allow you to renew your loan. At Direct Payday Loans, we do not recommend using this practice, as it can lead to a difficult cycle of loans that can end up costing you significantly more in the long-run. Please be sure to review your full financial situation before applying for and accessing a payday loan.

Bad credit? Not a problem in Minnesota

A less-than-perfect credit report (or no credit report or credit history at all) does not have to stop you from accessing the cash you need. Payday loans aren’t like mortgage or auto loans. Payday loans are unsecured personal loans, usually very short-term in nature and in small amounts.

Our lending institutions understand the unique nature of these situations and are often open to lending to people without great credit scores. In most cases, payday lenders will review a few factors like your income source and the length of time at your job to make their lending decision. Most payday lenders will not even need to pull your credit report. However, if you are looking to access larger amounts (greater than $1,000), some lenders may use your credit report to make a lending decision.

Applying for Payday Loans – No Faxing Required

Traditionally, accessing a payday loan or any kind of loan required providing proof of your identity, which usually entailed faxing documents to lenders. With our simple, online process, you can access the cash you need without needing to fax any documents to the lenders.

Faxless payday loans allow anyone with internet access and a savings or checking account to quickly access cash and lower their financial stress. You don’t need to find a fax machine to access the same-day cash that you need. Simply fill out our online application, and you can quickly access our network of lenders and receive the cash you need from the comfort of your home.

Easy Online Application – Instant Approvals For Minnesota Residents

We have worked hard to streamline the online loan application process to make it quick and easy for you to obtain the cash you require. In fact, you can finish the online application in minutes and get an instant decision. Ensure you have your social security number, source of income, and banking details nearby while filling out the application.

Direct Payday Loans Online in Minnesota: money when you need it most.