Compare 10 credit repair companies, personal lenders, and financial services in St Paul, Minnesota. All independently reviewed with BBB ratings and pricing.
Excel Pawn operates two Minnesota locations offering collateral-based cash loans, gold and jewelry sales, and electronics trading with flexible payment options.
Best for: Individuals in the Twin Cities area needing quick cash against personal items (jewelry, electronics, etc.), Customers looking to buy used gold, jewelry, or electronics at discount prices
Minnesota-based nonprofit that refinances payday, pawn, auto title, and online installment loans at 0% APR up to $2,500, helping borrowers escape predatory debt cycles.
Best for: Minnesota residents trapped in payday loan debt cycles paying 300%+ APR who can afford 12-month repayment, Borrowers with predatory auto title or pawn loans up to $2,500 seeking immediate refinancing
Checks R US is a check-cashing service located in St. Paul, MN, offering check cashing, money orders, wire transfers, and bill payment services with extended weekday hours.
Best for: Unbanked or underbanked individuals needing immediate check conversion without a bank account, Working people in St. Paul who need weekend or evening check-cashing access
St Paul's Primo Personal Loans at 401 Wabasha St N offers fast payday and title loans in MN.
Best for: Consumers needing $100–$5,000 for immediate emergency expenses who want to avoid hard credit inquiries, Borrowers seeking rapid funding with minimal credit score impact
Rocket Payday is a loan marketplace connecting borrowers to third-party lenders offering payday, auto, and boat loans up to $5,000 with no direct lending.
Best for: Borrowers with bad credit seeking auto financing who cannot qualify through traditional lenders, Consumers needing emergency cash who want to compare multiple lender options simultaneously
Solid Cash Advance offers bad credit personal loans with fast applications in St. Paul, MN. Extended hours (7 AM–9 PM daily) and same-day processing for emergency borrowing needs.
Best for: St. Paul residents with bad credit needing emergency funds ($100–$1K range), Workers needing quick cash approval outside traditional business hours
St Paul's Primo Personal Loans at 401 Wabasha St N offers fast payday and title loans in MN.
Best for: Consumers needing $100–$5,000 for immediate emergency expenses who want to avoid hard credit inquiries, Borrowers seeking rapid funding with minimal credit score impact
Rocket Payday is a loan marketplace connecting borrowers to third-party lenders offering payday, auto, and boat loans up to $5,000 with no direct lending.
Best for: Borrowers with bad credit seeking auto financing who cannot qualify through traditional lenders, Consumers needing emergency cash who want to compare multiple lender options simultaneously
Solid Cash Advance offers bad credit personal loans with fast applications in St. Paul, MN. Extended hours (7 AM–9 PM daily) and same-day processing for emergency borrowing needs.
Best for: St. Paul residents with bad credit needing emergency funds ($100–$1K range), Workers needing quick cash approval outside traditional business hours
Speedy Cash offers payday loans, installment loans, title loans, and cash advances with same-day or next-day funding through 200+ physical store locations across 11 states.
Best for: Consumers with genuine short-term cash emergencies (car repair, medical bill) who cannot access credit elsewhere and can repay within 2-4 weeks, Unbanked/underbanked individuals without credit history or access to traditional banking who need quick physical cash
Urban Payday Loans is a free online marketplace that connects consumers with third-party lenders offering payday, personal, and bad credit loans with next-business-day funding.
Best for: Consumers needing emergency cash ($100-$1,000) with poor or thin credit histories who cannot qualify for traditional bank loans, Borrowers seeking same-day or next-business-day funding for urgent expenses
St Paul's US Cash Advance at 238 6th St E offers same-day payday loans and title loans.
Best for: Consumers with poor or no credit history who need cash within hours for emergency expenses, Individuals unable to qualify for traditional bank loans and facing time-sensitive financial situations
Checks R US is a check-cashing service located in St. Paul, MN, offering check cashing, money orders, wire transfers, and bill payment services with extended weekday hours.
Best for: Unbanked or underbanked individuals needing immediate check conversion without a bank account, Working people in St. Paul who need weekend or evening check-cashing access
UnBank is a locally-owned check cashing and financial services provider operating 24-hour locations in the Twin Cities since 1984, offering check cashing, money transfers, bill pay, and gift card conversion.
Best for: Unbanked or underbanked individuals who need immediate check cashing without holding periods, Shift workers and night-shift employees who need financial services outside traditional bank hours
Excel Pawn operates two Minnesota locations offering collateral-based cash loans, gold and jewelry sales, and electronics trading with flexible payment options.
Best for: Individuals in the Twin Cities area needing quick cash against personal items (jewelry, electronics, etc.), Customers looking to buy used gold, jewelry, or electronics at discount prices
Minnesota-based nonprofit that refinances payday, pawn, auto title, and online installment loans at 0% APR up to $2,500, helping borrowers escape predatory debt cycles.
Best for: Minnesota residents trapped in payday loan debt cycles paying 300%+ APR who can afford 12-month repayment, Borrowers with predatory auto title or pawn loans up to $2,500 seeking immediate refinancing
Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).
Free resources: Get a free credit report annually at AnnualCreditReport.com. HUD-approved counselors in St Paul offer free guidance at consumerfinance.gov.
Our editors reviewed hundreds of companies to find the best options nationwide.
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