States › Minnesota › Payday loan, title loan, personal loan, or advance loan
Who in Minnesota is complaining aboutPayday loan, title loan, personal loan, or advance loan?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Minnesota consumers filed 135 complaints under “Payday loan, title loan, personal loan, or advance loan” in the 12 months to 1 Oct 2026, up 38% on the 98 of the 12 months before. That is 2.30 per 100,000 residents, below the national 5.20.
The category makes up 0.5% of the state's complaints, against 0.3% nationally. 10.5% of closed complaints ended with monetary or non-monetary relief (5.6% nationally) and 95.6% of responses were timely.
Companies with the most Payday loan, title loan, personal loan, or advance loan complaints from Minnesota, with their size
Ordered by complaints from Minnesota consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from MN, 12 months | Share | Company size |
|---|---|---|---|
| Affirm Holdings, Inc | 13 | 9.6% | no public measure |
| OneMain Finance Corporation | 8 | 5.9% | no public measure |
| ENOVA INTERNATIONAL, INC. | 5 | 3.7% | no public measure |
| Klarna AB | 5 | 3.7% | no public measure |
| Deinde Online Services, LLC | 5 | 3.7% | no public measure |
| All other companies, including those not listed by name | 99 | 73.3% | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 0 of the 5 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
Issues
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 36 | 26.7% |
| Problem when making payments | 17 | 12.6% |
| Problem with the payoff process at the end of the loan | 14 | 10.4% |
| Getting the loan | 13 | 9.6% |
| Problem with additional add-on products or services | 9 | 6.7% |
| Struggling to pay your loan | 8 | 5.9% |
| Incorrect information on your report | 7 | 5.2% |
| Getting a line of credit | 6 | 4.4% |
| Can't stop withdrawals from your bank account | 6 | 4.4% |
| Problem with a company's investigation into an existing problem | 5 | 3.7% |
| Other CFPB issue categories | 14 | 10.4% |
How companies responded
- Closed with explanation119 · 88.1%
- Closed with monetary relief9 · 6.7%
- Closed with non-monetary relief5 · 3.7%
- In progress2 · 1.5%
| Measure | Minnesota, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 2.30 | 5.20 |
| Closed with monetary or non-monetary relief | 10.5% | 5.6% |
| Responses marked timely | 95.6% | 94.6% |
Trend
Other products in Minnesota
Credit reporting or other personal consumer reports · 22,200Debt collection · 2,010Credit card · 931Checking or savings account · 885Money transfer, virtual currency, or money service · 418Mortgage · 382Student loan · 252Vehicle loan or lease · 176
Questions and answers
How many Payday loan, title loan, personal loan, or advance loan complaints come from Minnesota?
135 in the 12 months to 1 Oct 2026, 98 in the 12 months before and 346 since 2011.
Is that high for the population?
2.30 per 100,000 residents in Minnesota against 5.20 nationally.
Which issues come up most?
“Charged fees or interest you didn't expect” (26.7%), “Problem when making payments” (12.6%), “Problem with the payoff process at the end of the loan” (10.4%), “Getting the loan” (9.6%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.