Cash Advance and Payday Loans in St. Paul, MN

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When people have bad credit or even no credit at all, it minimizes their chances of having access to immediate cash. Unexpected expenses, such as auto repairs or overdue bills that need to be paid, can pile up. However, cash advance and payday loans may be a viable option. Read on to learn more about the application process and requirements, the costs and regulations, and of course, the best cash advance and payday loan companies in St. Paul, MN.

Advantages of Taking Out Payday Loans in St. Paul

The most significant advantage when seeking out loans of this nature is how fast the funding arrives. Overdue bills, auto repairs, and other emergencies need to be solved as quickly as possible. Taking out a cash advance or payday loans provides a rushed individual a sum of $100 to $500 quickly.

Bad credit may not automatically disqualify an applicant. Many consumers have a better chance of being accepted for a short-term loan than other kinds of funding.

It's also important to note that another advantage of taking out a cash advance or payday loans in St. Paul, MN, is that it provides its customers with small loans that most traditional banks do not offer.

Customers are required to pay back the loan quickly, which can be a benefit for those who want to get the loan out of the way.

How to Get a Cash Advance and Payday Loan in St. Paul

The first step toward receiving a shorter-duration loan is requesting one. Consumers can ask for a loan from the lender directly, or they can use a loan request service to ask multiple lenders at the same time. Those who want a local option should reach out to nearby lenders directly.

Cash Advance and Payday Loan Requirements

Before requesting a cash advance or payday loan in St. Paul, MN, the consumer should make sure they can meet a few basic requirements:

  1. provide proof of income
  2. verify one's address
  3. show a photo ID

Costs and Regulations of Cash Advances and Payday Loans in St. Paul

It is necessary for all cash advance and payday lenders in St. Paul to be licensed by the state of Minnesota. Lenders must agree to adhere to all the required rules and regulations.

Both cash advance and payday loans are to be paid back within 14 days. Rates are capped based on state guidelines. For example, loans that do not exceed the amount of $350 are capped at an interest rate of 10% and may include a $5 fee. For loans that exceed $350 but are no more than $1,000, the interest rate cannot exceed 33% annually and may include a $25 fee. It's important to remember that these loans may be granted to individuals who have excellent credit, poor credit, or even no credit.

Installment Loans in St. Paul

Some consumers need more than the $500 that payday loans may provide. These potential borrowers can request up to $5,000 through an installment loan. The larger loan type is paid back bit by bit over time, instead of through one lump sum payment. While the loan term will likely be around one year, financial experts recommend paying the loan back as quickly as possible. When Mobile residents pay back installment loans early, they are able to avoid paying some interest on the loan.

Requesting Title Loans in St. Paul

Title loans allow people to use their car's value as collateral in exchange for a loan. Borrowers may receive a loan that equals to 25% to 50% of their vehicle's value. Usually, the loan applicants must not have an outstanding auto loan since they will be required to hand over their vehicle's title to the lender. Title loans are generally structured to be paid back within 30 to 60 days, but some can be spread over 12 months. Car title loans come with high-interest rates. Lenders may accept trucks, recreational vehicles, and even motorcycles.

Best Cash Advance and Payday Loans Companies in St. Paul, MN

While many cash advance and payday loan companies are located in St. Paul, MN, a few tend to stand out from the competition. King Kong Cash has an A+ rating on Better Business Bureau's official website. It is located on Geneva Avenue and is known for its fast and friendly services. They provide customers with cash checking, title loans, transactions via Western Union, bill pay, and prepaid debit cards.

Another company with an A+ rating on BBB is Checks R Us. It is located at 942 Payne Avenue. In addition to cash advance and payday loans, it offers its customers check cashing and transactions via Western Union.

Express Payday Loans is on 7th Street. The company specializes in short-term loans ranging from $100 to $5,000.

Company name
Address
Phone
ABC MONEY TRANSACTIONS
712 University Ave W Saint Paul MN, 55104
651-222-0345
ACE CASH EXPRESS
1200 Robert St S Saint Paul MN, 55118
651-450-0397
CASH SYSTEMS
633 7th St W Saint Paul MN, 55102
651-602-9301
Cashway Checking
3035 White Bear Ave N Saint Paul MN, 55109
651-770-9593
Cashway Checking
3035 White Bear Avenue North Saint Paul MN, 55109
651-770-9593
CENTRO DE ENVIOS
421 Wabasha St S Saint Paul MN, 55107
651-602-7635
Checks Cashed
1318 Robert Street South Saint Paul MN, 55118
651-450-6580
Checks Cashed
477 Rice Street Saint Paul MN, 55103
651-291-1666
CHECKS CASHED
1318 Robert St S Saint Paul MN, 55118
651-450-6580
CHECKS CASHED
477 Rice St Saint Paul MN, 55103
651-291-1666
Checks-R-Us
942 Payne Avenue Saint Paul MN, 55101
651-772-3343
COMMUNITY FINANCIAL CENTER
259 University Ave W Ste C Saint Paul MN, 55103
651-291-1666
E Cap
332 Minnesota Street Saint Paul MN, 55101
952-445-2888
Efunds Corporation
7805 Hudson Road Suite 100 Saint Paul MN, 55125
651-361-2000
Endeavor Financial Inc
577 University Avenue West Saint Paul MN, 55103
651-224-3329
ENDEAVOR FINANCIAL INCORPORATE
577 University Ave W Saint Paul MN, 55103
651-224-3329
H & T Corporation Of Minnesota
1171 Jackson Street Saint Paul MN, 55117
651-489-7224
Hessler R J Companies
1171 Jackson Street Saint Paul MN, 55117
651-489-7024
International Currency Exch
942 Payne Ave Saint Paul MN, 55101
651-772-3343
International Currency Exch
2432 University Ave W Saint Paul MN, 55114
651-644-2486
International Currency Exchange
2432 Univ Avenue Northeast Saint Paul MN, 55101
651-644-2486
Los Gallos 9 Inc
1152 Robert Street South Saint Paul MN, 55118
651-453-1170
Los Gallos V 111 Inc
902 Arcade Street Saint Paul MN, 55106
651-778-0640
LOS GALLOS V111 INC
902 Arcade St Saint Paul MN, 55106
651-778-0640
Money Centers
1532 University Avenue West Suite 100 Saint Paul MN, 55104
651-645-3865
MONEY CENTERS
1532 University Ave W Saint Paul MN, 55104
651-645-3965
MONEY EXCHANGE
577 University Ave W Ste 2 Saint Paul MN, 55103
651-224-3329
Money Exchange
Saint Paul Saint Paul MN, 55112
651-636-6341
Money Express Check Cashing Center
785 7Th Street East Saint Paul MN, 55106
651-771-2274
Money Matrix
1951 University Avenue West Saint Paul MN, 55104
651-487-2133
Money Xchange
15100 Cedar Avenue Saint Paul MN, 55124
952-432-8171
Money Xchange
2431 7Th Street West Saint Paul MN, 55116
651-690-5070
Money Xchange
2431 17Th Street Northwest Saint Paul MN, 55112
651-690-5070
MONEY XCHANGE
2431 7th St W Saint Paul MN, 55116
651-690-5070
New Money Express Inc
785 7Th St E Saint Paul MN, 55106
651-771-2274
Paradigm Recovery Solutions
2489 Rice Street Suite 180 Saint Paul MN, 55113
651-765-4595
Paymaster Check Wrtr Pysttn Cmptrzd Chck Sgnng Sys
Po Box 7419 Saint Paul MN, 55107
651-489-7024
Paymaster Pay Station
Po 7419 Saint Paul MN, 55107
651-489-7024
Springer Inc
876 7Th Street East Saint Paul MN, 55106
651-772-3456
Tcf Bank - Branch Offices, West St Paul
1503 South Robert Street West Saint Paul MN, 55101
612-823-2265
Tcf Bank - Cub Foods Branch Offices, Maplewood
100 County Road B West Saint Paul MN, 55117
612-823-2265
Tcf Bank - Cub Foods Branch Offices, Maplewood East
2390 White Bear Avenue North Saint Paul MN, 55109
612-823-2265
Tcf Bank - Cub Foods Branch Offices, Midway St Paul
1440 University Avenue West Saint Paul MN, 55104
612-823-2265
Tcf Bank - Cub Foods Branch Offices, W St Paul
2021 South Robert Street West Saint Paul MN, 55101
612-823-2265
Tcf Bank - Cub Foods Branch Offices, Woodbury
8432 Tamarack Village Saint Paul MN, 55125
612-823-2265
Tcf Bank - Metro Area Branch Offices, Apple Valley
7520 149Th Street West Saint Paul MN, 55124
612-823-2265
Tcf Bank - Metro Area Branch Offices, Arden Hills
1160 County Road E West Saint Paul MN, 55112
612-823-2265
Tcf Bank - Metro Area Branch Offices, Branch Offices, St Paul, T
444 Cedar Street Suite 220 Saint Paul MN, 55101
612-823-2265
Tcf Bank - Metro Area Branch Offices, Branch Offices, White Bear
2226 5Th Street Saint Paul MN, 55110
612-823-2265
Tcf Bank - Metro Area Branch Offices, Eagan
3380 Denmark Avenue Saint Paul MN, 55121
612-823-2265
Tcf Bank - Metro Area Branch Offices, Roseville
2100 Snelling Avenue North Saint Paul MN, 55113
612-823-2265
Tcf Bank - Metro Area Branch Offices, St Paul, Town Square Skywa
1988 Suburban Avenue Saint Paul MN, 55119
612-823-2265
Tcf Bank - Metro Area Branch Offices, St Paul, Town Square Skywa
1601 Randolph Avenue Saint Paul MN, 55105
612-823-2265
Tcf Bank - Metro Area Branch Offices, Woodbury
7377 Currell Boulevard Saint Paul MN, 55125
612-823-2265
Tcf National Bank Minnesota - Cub Food Branch Offices, Apple Val
15350 Cedar Avenue Saint Paul MN, 55124
612-823-2265
Tcf National Bank Minnesota - Cub Food Branch Offices, Eagan
1940 Cliff Lake Road Saint Paul MN, 55122
612-823-2265
THE PIGGY BANK CHECKS CASHED
1994 Suburban Ave Saint Paul MN, 55119
651-735-6465
THE UNBANK COMPANY
1612 White Bear Ave N Saint Paul MN, 55106
952-697-5333
Un-Bank Store 3 Co
467 Saint Peter St Saint Paul MN, 55102
651-228-9627
UNBANK
469 Saint Peter St Saint Paul MN, 55102
952-697-5333
UNBANK COMPANY
467 Saint Peter St Saint Paul MN, 55102
952-697-5200
UNBANK COMPANY
1098 University Ave W Saint Paul MN, 55104
952-697-5200
Unbank Company
467 Saint Peter Street Saint Paul MN, 55102
651-228-9627
Unbank Company - Office
1098 University Avenue West Saint Paul MN, 55104
651-641-1038
Unbank Company Llp
1098 University Ave W Saint Paul MN, 55104
651-641-1038
United Check Cashing
2216 County Road D West Suite C Saint Paul MN, 55112
651-287-0995
Universal Check Cashing Mn
2216 County Road D W Dw Saint Paul MN, 55112
651-209-6507
UNIVERSAL CHECK CASHING MN
2216 County Road D W Saint Paul MN, 55112
651-209-6507
UNLOAN
478 Lexington Pkwy N Saint Paul MN, 55104
952-697-5266
UNLOAN
1612 White Bear Ave N Ste B Saint Paul MN, 55106
952-697-5266
Zmax Solutions Inc
717 Eaton St Saint Paul MN, 55107
612-910-6868

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