Payday Loans in Garden City, Minnesota

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No payday loan companies in Garden City, MN. Consider companies in other cities:

Company nameAddressZip codePhone number
Affinity Plus Federal Credit Union 17555 Kenwood Trail, Lakeville, MN 55044 +1 (800) 322 - 7228
TruStone Financial Credit Union 17533 Cedar Ave, Lakeville, MN 55044 +1 (800) 862 - 1998
Wells Fargo Bank 601 E Howard St, Hibbing, MN 55746 +1 (218) 262 - 4501
Roggenkamp & Associates 30968 N Washington Ave, Pequot Lakes, MN 56472 +1 (218) 568 - 5559
Minnesota Lakes Bank 215 Hwy 55 102, Buffalo, MN 55313 +1 (612) 284 - 1607
Affinity Plus Federal Credit Union 1990 2nd Ave SE, Cambridge, MN 55008 +1 (763) 689 - 9110
Share Advantage Credit Union 2502 Maple Grove Rd, Duluth, MN 55811 +1 (218) 722 - 5931
Mid Minnesota Federal Credit Union - Brainerd 200 S 6th St, Brainerd, MN 56401 +1 (218) 829 - 0371
U.S. Bank Branch 230 1st St S, Virginia, MN 55792 +1 (218) 742 - 3314
TCF Bank 8600 114th Ave N, Champlin, MN 55316 +1 (800) 823 - 2265

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Garden City, MN, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Andover, MN, Quick Loan in Burnsville, MN, Same Day Loans in Cottage Grove, MN, Online Loans in Duluth, MN, Same Day Loans in Eden Prairie, MN, Quick Loan in Inver Grove Heights, MN, Payday Loans in Lakeville, MN and Payday Loans in Mankato, MN. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Garden City, MN.

Beautiful sights of Garden City, MN

Payday Loans Available in Garden City, MN By The Following ZIP Codes:

56034

Are Payday Loans Legal In Garden City, Minnesota?

Loan Rates and Fees, Laws and Regulations in Minnesota.

Minnesota Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)200
Maximum Loan Amount$350
Minimum Loan TermNot Specified
Maximum Loan Term30 days
Number of Rollovers Allowed0
Finance Charges<$50 = $5.5; $50 - $100 = 10% + $5; $100 - $250 = 7% (min $10) + $5; $250 - $350 =6% (min $17.5) + $5

Garden City, MN payday loan calculator

Are you a resident of Garden City, Minnesota, facing unforeseen expenses and unable to make ends meet? If you need access to quick cash, a payday loan may be worth considering.

What are Payday Loans?

Payday loans are a type of short-term loan designed to help people bridge financial gaps between paychecks. As the name suggests, they are loans that people can use to pay expenses and debts until their next payday. These loans are ideal for people with bad credit who face unpredictable expenses and don’t have access to traditional bank loans.

Payday loans come in different forms and are typically available in small amounts, usually ranging from $50 to $1,000. They are easy to obtain and are often approved within hours or 1-2 days. Payday loans have higher interest rates compared to other loans and must be repaid in full within a few weeks or on your next payday.

How it Works in Garden City, Minnesota

Payday loans are legal in Minnesota, including Garden City, which means that you can easily apply for and access them. However, regulations in Minnesota are stricter than in other states. The Minnesota Department of Commerce regulates payday lenders in Minnesota and sets a lending fee cap of 33% on loans.

If you are in Garden City, Minnesota, and considering payday loans, you can apply for one online or in-person. You can browse for local lenders on theGuaranteedLoans business listing portal, which provides you with a list of licensed payday lenders in Minnesota.

What You Need to Know Before Applying

  • The interest rates and fees associated with payday loans make them one of the most expensive ways to borrow money.
  • You are required to pay back the loan in full, including interest and fees on your next payday or within a few weeks.
  • If you don’t pay back your loan, you may be charged with late fees, default fees, and other penalties. You might also risk a damaged credit score.
  • If you need money in an emergency, compare other lending options and consider a payday loan only as a last resort.

Interesting Facts and Statistics about Payday Loans in Garden City, Minnesota

  • In 2019, the average payday loan amount in Minnesota was $450.
  • The average APR on payday loans in Minnesota is around 200%.
  • The number of payday lenders in Minnesota has declined significantly in recent years, from 125 in 2014 to 70 in 2020.
  • The total amount of fees charged by payday lenders in Minnesota was $74 million in 2019.

Apply for a payday loan on theGuaranteedLoans website and we will help you get connected to licensed lenders in Garden City, Minnesota, who offer payday loans that meet your financial needs. Our service is free of charge, and we strive to help borrowers get the best deal possible.

Apply Now

Fill out an online application on theGuaranteedLoans website, and you will get connected with multiple potential lenders who can offer you a payday loan. Please note that theGuaranteedLoans is not a direct lender, but a connector service. We help you connect with lenders who meet your financial needs.

Remember, payday loans are a useful financial tool if you use them responsibly. Make sure that you only borrow what you can afford to pay back, and read the terms and conditions of the loan before signing any agreements.

Good luck!

F.A.Q.

Can I have multiple payday loans in Garden City, Minnesota at the same time?

No, you are only allowed to have one outstanding payday loan at a time in Garden City, Minnesota.

Do I need to have a checking account to get a payday loan in Garden City, Minnesota?

Yes, most lenders require you to have a checking account in order to receive a payday loan in Garden City, Minnesota.