Attention online applicants: You must have a valid Minnesota ID to apply online.
For Wisconsin online loans, a valid Wisconsin ID is required
2550 West Division Street
St. Cloud, Minnesota, 56301
As of April 2nd we will have NEW store hours.
Monday — Thursday: 10:00 AM – 6:00 PM
Friday: 10:00 AM – 6:30 PM
Saturday: CLOSED (Online Open 10 AM - 4:00 PM)
Payday America is open 10 a.m. to 4 p.m. on federal holidays on Mondays, plus New Year's Day and the Fourth of July. If holiday falls on a Sunday, Payday America will be closed along with on Easter, Thanksgiving, and Christmas Day.
Loans are subject to Payday America Inc's, terms, conditions and underwriting requirements. Credit approval is not guaranteed and not everyone is eligible for a loan or for a specific amount. Complete disclosure of APR, fees, and payment terms are available upon request by calling 1-952-277-4135 or by visiting a Payday America Inc. store location. This is not an offer to lend and should not be deemed an obligation to do so. Minnesota loans are made under Minnesota Statute Section 47.59. Loans are not available in any other states.