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Ez Cash is a Minneapolis-based emergency lending storefront offering fast small-dollar loans. Their primary business model appears focused on same-day or rapid cash access for immediate financial needs.
Data compiled from public sources
Ez Cash operates a physical lending location at 1011 E Moore Lake Dr in Minneapolis, Minnesota. The business is categorized as an emergency cash lender, suggesting they specialize in small-dollar, fast-turnaround loans typical of the payday and title loan industry. Based on available information, Ez Cash maintains standard business hours Monday through Friday from 9:00 AM to 6:00 PM and can be reached at (763) 574-2193.
While Ez Cash maintains an online presence with the domain ezcashmoney.com, the company's website currently shows as expired on Squarespace, limiting detailed information about specific loan products, terms, APR rates, and eligibility requirements. This means prospective borrowers cannot verify through their official web presence what exact services they offer, maximum loan amounts, repayment timelines, or fee structures.
What distinguishes Ez Cash from other emergency lenders in the Minneapolis market is primarily their physical storefront location, which allows for in-person application and provider-stated funding timing potential. The company appears to position itself as a local alternative to online lenders, offering face-to-face service for consumers who prefer direct interaction or cannot access digital lending platforms.
A significant caveat for consumers is the expired website, which prevents comparable public verification context of loan terms, rates, and consumer reviews through their official channels. Borrowers should contact the business directly by phone or in-person to understand specific terms, potential APR ranges, and whether their loans comply with Minnesota lending regulations. As with all emergency cash lenders, consumers should carefully review terms before borrowing, as these products typically carry higher costs than traditional loans.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Minneapolis, MN. It does not confirm that Ez Cash or this specific location is licensed.
State regulator
Minnesota Department of Commerce
Consumer protection
Status: Permitted
Rate context: Tiered fee structure: $5.50 per $100 borrowed for loans up to $50; $10 per $100 for loans $50.01-$100; $15 per $100 for loans over $100
Amount context: $350
Payday loans capped at $350 maximum principal. Minimum loan term of 30 days required. Only one outstanding payday loan permitted at a time per consumer. Lenders must participate in the Statewide Payday Loan Database (Minn. Stat. § 56.125) to prevent predatory lending cycles. Licensed under Minn. Stat. § 56.01 et seq.
Status: Permitted
Rate context: Licensed consumer small loan lenders: tiered rates capped at 36% APR for loans under $1,000; rates vary by license class. Unlicensed lenders subject to 8% default usury cap.
Regulated under Minn. Stat. § 334.01 et seq. (Consumer Small Loan Lenders). Installment loans under $5,000 with terms of 2 years or less regulated by Department of Commerce. Lender must be licensed unless exempt.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Ez Cash offers 8 services including Emergency small-dollar loans (based on category classification), Same-day or next-day funding (presumed based on emergency-cash category), In-person loan applications at physical storefront, Direct phone-based customer service, Likely payday loans or short-term cash advances (category-typical), and 3 more.
Ez Cash has profile signals associated with Minneapolis-area residents who prefer in-person lending and same-day cash access, Borrowers without online banking access or digital payment methods, Consumers seeking local alternatives to online payday or title loan platforms, Individuals with immediate emergency cash needs requiring rapid funding.
Key strengths: Physical storefront location allows same-day in-person applications and funding; Local Minneapolis-based business with established brick-and-mortar presence since at least the Waze listing; Accessible phone line (763) 574-2193 for direct customer inquiries. Areas to consider: Official website (ezcashmoney.com) is expired, preventing verification of current rates, terms, and fees; Limited online presence makes it difficult to research before visiting or calling.
In the Emergency Cash category, comparable providers include ACE Cash Express, Auto Cash Title Loans of WI, Duke Payday Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Ez Cash is best suited for Minneapolis residents who need immediate emergency cash and prefer in-person lending. The critical caveat is that their expired website prevents comparable public verification context of current loan terms, APR rates, and fees—borrowers must contact them directly by phone (763) 574-2193 or visit in person to understand exact terms before committing.
Brooklyn Center, MN ACE Cash Express at 6219 Brooklyn Blvd offers payday and title loans for short-term cash access needs.
Profile signals: Consumers researching short-term cash access ($100-$1,000 range) for emergencies, Individuals with vehicle titles seeking collateral-based loans
Max Cash offers title loans in Chaska, MN and other locations, providing fast emergency cash using your vehicle as collateral with rate claims to verify and convenient terms.
Profile signals: Vehicle owners with urgent expense research and limited access to traditional credit, Borrowers facing emergency expenses comparing listed funding timing
Duke Payday Loans offers loans up to $5,000 for borrowers with various credit types, including auto, motorcycle, and boat financing options across multiple states.
Profile signals: Borrowers with bad credit who have been declined by traditional lenders, Those seeking rapid approval for small to medium loans ($1,000-$5,000)
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from high-cost lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you may only be required to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a repeat-borrowing risk: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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