US Cash Advance – 238 6th St E #2
4.7
(10 reviews)
US Cash Advance is a payday lending organization operating in Saint Paul, Minnesota, with its stated address at 238 6th St E #2, St Paul, MN 55101. The entity’s primary activity centers on providing short-term cash advances to individuals, typically repaying through subsequent pay cycles. This organization has a history tied to the broader payday lending industry in the United States, which has evolved alongside state regulatory frameworks governing lending practices and consumer protections. Its functions generally include standard application processes, underwriting criteria for small-dollar loans, and repayment arrangements tied to borrowers’ incomes. The operational scope of such organizations often encompasses in-person facilities and related administrative operations, including loan disbursement, customer service, and compliance activities to meet applicable laws. As a fixed-location enterprise, it interacts with local residents seeking rapid access to cash to address immediate financial needs.
Sources & References
St. Paul Center Office - US Bank
https://usbank.banks.info/us/saint-paul/st-paul-center-office
US Bank 101 5th St E, Saint Paul, MN - Working Hours, Phone, Address and Reviews
E-E-A-T for Financial Services SEO: Guide to YMYL Trust
https://www.accuracast.com/news/finance/e-e-a-t-financial-services-seo-guide/
Google's E-E-A-T standards are crucial for financial and insurance content. Learn how financial services firms can demonstrate Experience, Expertise, Authoritativeness and Trust for YMYL topics
Payday Loans in Saint Paul, MN - Online cash advance in 24 Hours!
https://paydayloanssaintpaulmn.com/
Map Location
Services this business provides
Loan agency
Contact Information
Frequently Asked Questions about US Cash Advance
US Cash Advance at 238 6th St E #2, St Paul, MN 55101 appears not to be a widely listed storefront in major lender directories. Current public listings show several payday/check-cashing options in Saint Paul with varying addresses, but none confirm a precise match for that exact suite in the 238 6th Street area. For definitive status, contact the business directly or check Minnesota Secretary of State business records and local licensing databases.
For more information, you can verify via:
- Minnesota Secretary of State business search
- Local city business license records
- The lender’s official website or customer service line
For more information, you can verify via:
- Minnesota Secretary of State business search
- Local city business license records
- The lender’s official website or customer service line
US Cash Advance at 238 6th St E #2, St Paul, MN 55101 offers payday loans and cash advance services, including short-term loans and related financial services typically provided by check-cashing and money-order locations in the area. For precise current offerings, hours, and eligibility requirements, visit the store or contact local lenders in Saint Paul. This address appears in local directories among several payday loan and check-cashing options.
Payday lending in Minnesota began in the mid-1990s, after banks limited small loans left a gap for borrowers with weak credit, leading to high-cost, short-term loans. By 2012 Minnesotans took hundreds of thousands of these loans statewide, with outlets like Payday America and ACE Cash Express dominant; state regulators debated caps on loan numbers and fees.
In 2015 the Minnesota Supreme Court upheld the state’s payday-lending law, ensuring online lenders must follow Minnesota rules, while regulators pressed for tighter caps on fees and loan counts to curb debt cycles; the policy debate continued into 2016 and beyond. For current protections and consumer guidance, consult the Minnesota Attorney General's payday-loans page and recent legislative updates.
In 2015 the Minnesota Supreme Court upheld the state’s payday-lending law, ensuring online lenders must follow Minnesota rules, while regulators pressed for tighter caps on fees and loan counts to curb debt cycles; the policy debate continued into 2016 and beyond. For current protections and consumer guidance, consult the Minnesota Attorney General's payday-loans page and recent legislative updates.
Minnesota regulates payday lending strictly, including caps on annual interest and required borrower affordability analysis. As of 2023, the state enacted SF 2744, limiting annual rates to 36 percent and mandating an ability-to-repay assessment; many loans fall under a 36–50 percent cap depending on terms. Predatory practices are targeted, with additional consumer protections and licensure requirements for lenders operating in Minnesota.
For the latest specifics, refer to Minnesota statutes 47.60 et seq. and official summaries from the Minnesota Senate DFL on payday lending reforms. Additional updates may appear in JD Supra summaries and Minnesota-focused law firms’ analyses. If you need, I can pull exact current statute language or provide a concise summary of the 2023 amendments.
For the latest specifics, refer to Minnesota statutes 47.60 et seq. and official summaries from the Minnesota Senate DFL on payday lending reforms. Additional updates may appear in JD Supra summaries and Minnesota-focused law firms’ analyses. If you need, I can pull exact current statute language or provide a concise summary of the 2023 amendments.
Typical cash advance terms in Saint Paul, MN are tightly regulated at the state level. Most lenders offer up to $350 per loan with repayment periods around 14 to 30 days, and fees or APRs are capped by Minnesota law (e.g., APRs commonly cited up to around 50% on small loans, with fixed fees that vary by loan amount). Lenders may require proof of income, a valid ID, and residency in Minnesota.
For exact terms, always verify with the specific lender and review Minnesota payday loan regulations. If you need, I can point you to the official Minnesota Department of Commerce resources for current rules and lender licensing.
For exact terms, always verify with the specific lender and review Minnesota payday loan regulations. If you need, I can point you to the official Minnesota Department of Commerce resources for current rules and lender licensing.