Payday loans in Plymouth, MN
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Plymouth, MN.
The median household in Plymouth earns $136,534 a year, 53% above the Minnesota median of $89,062. About 4% of residents live below the federal poverty line, and 24.9% of households rent their home. When an unexpected bill hits before payday, Plymouth residents can request $100 to $1,000 online in minutes.
Minnesota law that applies in Plymouth
| Maximum loan | A consumer small loan is $350 or less, and one borrower may not owe more than $350 in total on such loans at one time. |
|---|---|
| Fee cap | The lender may charge an annual percentage rate of up to 50%, counting all interest, finance charges and fees. |
| Rollovers | A consumer small loan may not be repaid with the proceeds of another such loan from the same lender (or a related company), and loans may not be split to get higher charges. |
| Loans at once | You may not have more than one consumer small loan with a lender if that results in higher charges, and your total consumer small loan principal may not exceed $350 at one time. |
Full rules with statute citations: Payday Loans in Minnesota. Cities in Minnesota cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Plymouth
Here's what to have on hand before you start your payday loan request in Plymouth:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Plymouth
What Plymouth borrowers use it for
the fastest options online
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Loans for your situation
How to get a payday loan in Plymouth
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Minnesota.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Minnesota does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Plymouth
14 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 2 | 3305 Plymouth Blvd, Plymouth 55447 |
| Old National Bank | 2 | 3950 Vinewood Ln N, Plymouth 55441 |
| JPMorgan Chase Bank, National Association | 2 | 16895 County Road 24, Plymouth 55447 |
| Wells Fargo Bank, National Association | 1 | 3000 Fernbrook Ln N, Plymouth 55447 |
| First National Bank | 1 | 13605 27th Ave N, Plymouth 55441 |
| Associated Bank, National Association | 1 | 2655 Campus Dr, Plymouth 55441 |
| The Huntington National Bank | 1 | 15525 34th Ave N, Plymouth 55447 |
| Citizens Independent Bank | 1 | 15600 36th Ave N, Plymouth 55446 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Plymouth
8 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Wings | 3455 Plymouth Blvd, Plymouth 55447 |
| Blaze | 10000 Rockford Rd, Plymouth 55442 |
| Trustone Financial | 14601 27Th Ave N, Plymouth 55447 |
| Topline Financial | 4190 Vinewood Ln N, Plymouth 55442 |
| Sharepoint | 13600 Industrial Park Blvd, Plymouth 55441 |
| West Metro Schools | 305 Vicksburg Ln N, Plymouth 55447 |
| Danfoss Employees | 3550 Annapolis Ln N, Plymouth 55447 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Hennepin County · Personal Loans in Plymouth · Title Loans in Plymouth
Frequently asked questions
Can I get a payday loan in Plymouth, MN?
Payday-type loans are legal in Minnesota but capped at a 50% all-in APR: 'consumer small loans' (single-payment loans of $350 or less, Minn. You can request one online from Plymouth through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Plymouth?
A consumer small loan is $350 or less, and one borrower may not owe more than $350 in total on such loans at one time. A consumer short-term loan is $1,300 or less.
How fast can I get a payday loan in Plymouth?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. Plymouth residents can request a payday advance online through our network in about 3 minutes.
What is a payday loan in Plymouth?
A payday loan is a small, short-term loan, usually a few hundred dollars, that you repay in one payment on or around your next payday. Borrowers in Plymouth can request one online from home instead of visiting a storefront. Through our free form you can be matched with lenders in our network, with amounts depending on the lender and Minnesota rules. See if you qualify in about 3 minutes.
Do payday loans show up on your credit report?
Many payday lenders do not report regular, on-time payments to the three major credit bureaus, so the loan often doesn't appear on a standard credit report. Some lenders and specialty bureaus do track short-term loans, and an unpaid balance sent to collections can be reported. Your lender explains its reporting policy in the loan agreement. Ready to compare offers in Plymouth? Our form takes about 3 minutes.
Where can I get a payday loan in Plymouth?
You can visit a storefront in Plymouth or request a loan online without leaving home. Our free form sends one request to multiple lenders in our network, so you don't have to apply store by store. If a lender makes you an offer, you review the terms and decide whether to accept, with no obligation. It takes about 3 minutes to see if you qualify.
Is a payday loan the same as a cash advance?
The terms are often used interchangeably. A payday loan is sometimes called a cash advance because it advances money against your next paycheck. A credit card cash advance is different: you withdraw cash against your card's credit limit, which requires available credit on a card. If you don't have card credit to tap, a payday loan through our network is a fast option. Check your options in about 3 minutes.
Do I need to visit a store in Plymouth?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.