Payday America is a direct payday advance lender with stores throughout Minnesota. Our stores offer payday loans with no credit check, fast payday loans, and loans up to $1,000. Best Check Cashing/Pay-day Loans in Twin Cities, MN - My Minnesota Payday, King Kong Cash, Express Payday Loans, Your Exchange Check Cashing, EZ Cash USA, Checks R US, New Money Express, Amal Money Wire, Fastest Cash Advance & Payday Loans of… A consumer small loan company (payday lender) making small loans to Minnesota residents must be licensed but does not have to have a physical location in Minnesota. Loans made electronically via the Internet are covered under Minnesota Statute §47.60. Apply. Minnesota uses the Nationwide Multistate Licensing System (NMLS). Our payday loans in Minnesota offer the perfect alternative to traditional types of personal loans that may require high credit scores and collateral, and, because we offer easy loans for bad credit, more people are able to take advantage of this service and get the money they need—fast! Payday Loans In Minnesota - If you are looking for a solution to help you meet short term holiday expenses, then our fast and easy payday loan solutions may be perfect for you. Promoted How much can I borrow in Minnesota? Minnesota Statutes 47.60 et seq. governs payday loans in Minnesota, which requires all payday lenders to be registered and abide by the maximum fee guideline detailed below.