Get out of payday loan debt, and into financial stability.

Exodus Lending is a nonprofit helping Minnesota families break their cycle of payday loan debt.

The Payday Loan Problem

Payday lending’s predatory and toxic impact on our communities can be equated to a modern form of slavery. According to research, the average family in payday debt is trapped in revolving payday debt for at least 5 months out of the year. This cycle hinders individual financial well-being as well as deters them from pursuing any financial future outside of paying off debt.

Monthly APR = 450%

On average, borrowers pay over 4x the amount on their payday loan, in interest.

1 in 20 Americans

According to a 2012 Pew survey, millions of Americans had payday loan debt.

A Solution to End the Payday Lending Cycle in Minnesota

When a payday store opened nearby a church in South Minneapolis in 2011, the congregation took notice. They decided to take a stand with their fellow community members facing economic crisis. Exodus Financial Services, known as Exodus Lending, was founded as a first-of-its-kind nonprofit to solve the payday loan problem.

How We’re Helping

We get Minnesotans out of payday loan debt and back on track financially by enrolling and supporting them in a 0% interest refinance program, lending up to $1,000 to qualified participants.

Our Program

We support where you are today, and where you want to be tomorrow.

No fees. No interest. No judgement.

We Listen

The first step is getting to know you and your situation.

We Refinance

We pay off your payday loan of up to $1,000; no interest, no fees, no strings attached. You pay us back over 12 months.

We Support

We connect you with financial counseling and help you meet your savings goals.

Our Success


participant dollars saved


in loans refinanced


program graduates

Where We've Helped

We've helped individuals across Minnesota with their payday loans.