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Ez Cash in Minneapolis, MN
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 · Rating from CreditDoc methodology
Ez Cash Review
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 same-day funding 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 independent verification 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.
Services & Features
Direct phone-based customer service
Emergency small-dollar loans (based on category classification)
In-person loan applications at physical storefront
Likely payday loans or short-term cash advances (category-typical)
Local Minneapolis lending without online requirement
Potential title loans (category-typical for emergency-cash lenders)
Same-day or next-day funding (presumed based on emergency-cash category)
Walk-in availability during posted business hours
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- 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
- Consistent business hours (9 AM-6 PM weekdays) provide reliable access
- Serves unbanked and underbanked populations who need rapid emergency cash
- No apparent online barriers to application—in-person service available
Cons
- 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
- No available customer reviews, ratings, or third-party verification of service quality
- Typical emergency cash lender cost structure likely includes high APR rates common in the industry
- Cannot independently verify whether loans comply with Minnesota lending caps and regulations
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is Ez Cash legitimate?
Yes. Ez Cash is a registered company, headquartered in 1011 E Moore Lake Dr, Minneapolis, MN 55432.
Quick Facts
- Headquarters
- 1011 E Moore Lake Dr, Minneapolis, MN 55432
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Ez Cash
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 independent verification 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.
Best For
- 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
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
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.
Why it matters
Lenders must 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 cheapest 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.
Compound 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.
Why it matters
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.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory 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.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
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.
How Loans Work
Collateral — Loan Collateral
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.
Why it matters
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.
Fees & Costs
Late Fee — Late Payment Fee
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.
Why it matters
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.
NSF Fee — Non-Sufficient Funds Fee
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.'
Why it matters
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.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
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 might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
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.
Why it matters
Cash advances are a debt trap: 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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