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Payday Loans in Duluth, MN

Compare 0 licensed lenders • Fast approval • Same-day funding

Max Loan
$500
Active Lenders
0
Approval Time
15 min
Population
90,884
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About Payday Loans in Duluth

Duluth is a mid-sized city in Minnesota with 90,884 residents and a median income of $86,606. The local economy is influenced by Minnesota's manufacturing and finance sectors. With a cost of living near national average, residents seeking emergency funding can access payday loans online, with MN Commerce Dept. overseeing consumer lending practices. Minnesota regulates payday loans at 390% APR ($15/$100 fee), with MN Commerce Dept. providing oversight for Duluth consumers.

Key Industries: manufacturing, finance, healthcare, agriculture
Median Income: $86,606
Cost of Living: near national average (index: 102)

Duluth Economic Profile

Population
90,884
Median Income
$86,606
Cost of Living
102
near national average
Region
Midwest
Cost of Living Index 102 / 200
Low Cost National Avg High Cost

Key Industries

manufacturing finance healthcare agriculture

Payday Loan Key Facts – Duluth, MN

Max Loan Amount $350
APR / Fee Structure 390% APR ($15/$100 fee)
Max Loan Term 30 days
Cooling-Off Period None
State Regulator MN Commerce Dept.
Active Lenders 0 licensed in MN
City Population 90,884
Avg. Household Income $86,606
Cost of Living near national average (index: 102)

Source: State regulatory databases, U.S. Census Bureau, Bureau of Labor Statistics. Data verified January 2026.

Minnesota Payday Loan Regulations

Minnesota Payday Loan Regulations

Max Loan Amount:$350
Max Term:30 days
Typical APR:390%
Cooling-Off:None
Rollover Allowed:No

Minnesota limits payday loans to $350 with typical APR 390%. Cooling-off periods apply.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

Compare Lenders in Duluth

0 licensed lenders serving Duluth, MN

*Rates and terms vary by lender and applicant. All lenders listed are licensed in MN.

Payday Loan Cost Comparison – Duluth

See how costs change with different loan amounts in Minnesota

💰 Small Loan 14 days
Loan Amount
$300
APR / TAE 390%
Finance Charge $44.88
Cost per $100 $14.96
Total Repayment $344.88
Apply for $300 →
💵 Medium Loan 14 days
Loan Amount
$350
APR / TAE 390%
Finance Charge $52.36
Cost per $100 $14.96
Total Repayment $402.36
Apply for $350 →
🏦 Large Loan 30 days
Loan Amount
$350
APR / TAE 390%
Finance Charge $112.19
Cost per $100 $32.05
Total Repayment $462.19
Apply for $350 →
Representative examples for Duluth, MN. Actual rates vary by lender, credit profile, and loan terms. Minnesota regulatory rate: 390% APR ($15/$100 fee). Always review your loan agreement before signing.

How to Get a Payday Loan in Duluth

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Frequently Asked Questions – Duluth

How do I get a payday loan in Duluth, MN?
To get a payday loan in Duluth: (1) Be 18+ with valid government ID, (2) Have an active checking account, (3) Show proof of income (pay stubs or bank statements), (4) Provide your Social Security number. Most Duluth lenders approve applications within 15 minutes and deposit funds the same or next business day. Minnesota loans are regulated by MN Commerce Dept..
What is the maximum payday loan amount in Duluth?
In Minnesota, including Duluth, the maximum payday loan is $350. The regulated rate is 390% APR ($15/$100 fee). Verify current limits with MN Commerce Dept..
How long does it take to get money in Duluth?
Most lenders serving Duluth provide same-day or next-business-day funding. If approved before 10 AM on a weekday, you may receive funds within hours via direct deposit to your checking account. Weekend applications are typically processed on Monday. ACH transfers may take 1–2 business days, while some lenders offer instant funding for an additional fee.
Can I get a payday loan with bad credit in Duluth?
Yes. Many lenders serving Duluth, MN approve borrowers with poor or no credit history. These lenders focus on your current income and ability to repay rather than your credit score. However, expect higher APR and lower initial loan amounts. Compare multiple offers to find the lowest total cost.
What documents do I need for a Duluth payday loan?
You'll typically need: (1) Valid government-issued photo ID (driver's license or state ID), (2) Proof of income (recent pay stubs, bank statements, or tax return), (3) Active checking account information (routing and account numbers), (4) Social Security number for identity verification. Some Minnesota lenders may also request proof of Duluth residency (utility bill or lease).
What is the APR for payday loans in Duluth?
390% APR ($15/$100 fee). This rate is set by MN Commerce Dept. and applies to all licensed lenders in Duluth. Always review the full fee schedule in your loan agreement.
What happens if I can't repay my payday loan in Duluth?
If you cannot repay on time in Duluth, MN: (1) Contact your lender immediately — many offer payment plans or extensions, (2) Minnesota may allow rollovers, but additional fees apply — avoid this cycle, (3) Late fees and collection actions may follow, (4) Unpaid loans may be reported to credit bureaus, (5) Contact MN Commerce Dept. if you believe a lender is violating Minnesota law. Never take a new payday loan to pay off an existing one.

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How We Research Payday Loans in Duluth

Our editorial team verifies all lender information, state regulations, and fee structures against official sources. This page for Duluth, MN was last reviewed and updated in January 2026.

Sources & References

  • • MN Commerce Dept. — Minnesota lending regulations
  • • CFPB — Federal consumer protection guidelines
  • • U.S. Census Bureau — Duluth population & economic data
  • • Bureau of Labor Statistics — Income & cost of living estimates

Our Standards

  • • All lenders are verified as licensed in MN
  • • APR and fee data cross-checked with state records
  • • Content reviewed by financial services professionals
  • • Read our full editorial policy

Important Information

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Duluth, Minnesota may change. Always verify current regulations with your state's consumer financial protection agency before applying.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you're matched with. Credizen is a comparison platform – we do not directly provide loans.

For consumer protection resources, visit the CFPB .

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Emergency Financial Help

If you're experiencing financial difficulties, contact your local financial counseling service.

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