Minnesota Rates and Terms

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Minnesota Payday Loan Terms

Cash Central wants to help you get the funds you need when you need them. Online loans with Cash central are fast and easy, and our short-term payday loans put a cash deposit directly into your checking account. In general, the due date of your loan is tied to your next pay date. When your loan is due, we automatically access your checking account via an authorized electronic withdrawal, or, if you have provided it, the debit card associated with your checking account. For alternative repayment options, please contact us.

Representative Example of Payday Loan Fees:

14-day payday loan of $350.00 has an Annual Percentage Rate of: 193.67% and a finance charge of $26.00.

To view additional examples of payday loan fees, select a loan amount and loan duration from the drop-down menus below. Your results will be shown below once you select loan amount and duration and click the ‘Submit’ button.

day Payday Loan of has an Annual Percentage Rate of %. Finance Charge: .

To view a specific payday loan example, select loan amount and duration. Terms will be shown here when you click the 'Submit' button.

This is only for illustrative purposes and provides an example of a typical payday loan we offer to qualified applicants. If approved, the specific rates and terms of your loan agreement will depend on your qualifications.

CONSUMER NOTICE REQUIRED by the laws and regulations of the state of MINNESOTA: These loan charges are higher than otherwise permitted under Minnesota law. Minnesota law permits these higher charges only because short-term loans might otherwise not be available to consumers. If you have another source of a loan, you may be able to benefit from a lower interest rate and other loan charges.

To find out if you are eligible for a payday loan, fill out a new customer application and you'll be on the road to quick cash. If you have questions about your eligibility for a loan, learn more about payday loans, or contact us at 1-800-460-4305. Once you have been approved, sign in on the customer page and submit your request for a payday loan.

A single payday loan is typically two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday loans are not recommended as long-term financial solutions.

How your due date is determined:

In general, the terms of these payday loans are 4-18 days, although a term of up to 30 days may be available. In general, the system will set your loan due date to coincide with your next payday, unless your next payday is less than 4 days away. If you need a different due date not available in the system, please call 1-800-460-4305 for assistance. We suggest making your loan due date on your next payday, whenever possible.

Repayment Options:

When your loan is due we will automatically withdraw the total amount due from your account via an authorized electronic withdrawal or, if you provided it, your debit card. If you need an alternative method of payment, please call 1-800-460-4305. Please remember that if you cannot repay your loan in full on its due date, you should contact us one banking day before your loan is due. Refinances are not allowed in Minnesota.

For more information on repayment options such as courtesy moves, refinances, and extended or variable payment plans, please contact us at 1-800-460-4305, or visit our FAQ page.

ACH/EFT Authorization:

Your online agreement will be governed by the laws and regulations of the state of Minnesota. If your authorized ACH debit is returned for any reason you agree to the following:

  • You are authorizing us to initiate electronic debits to your account in the amounts up to or less than the amount owed until the amount owed is paid in full. Your authorization shall remain in effect until we have received written notice of its termination. We must also have had a reasonable opportunity to act on this authorization.
If you have questions or concerns regarding your Cash Central/CCF loan, please feel free to call us at 1-800-460-4305 or or contact us via email at customerservice@cashcentral.com.