We help Minnesotans seeking a way out of payday loan debt.
I Need Help
We’d love to help! First, take our eligibility quiz to see if the our program is right for you.See if You Qualify
Help a Friend in Need
Do you know someone with payday loan debt?Refer them to Exodus Lending today!Refer Someone
Seriously. Every day, we’re empowering the people who enter our program.
We pay off existing payday loans, up to $1000, with 0% APR, and absolutely no fees.
Our program incentives help participants achieve financial well-being for the future.
We meet with you to learn about you and gather your loan documents. Appointments are available during the day, weeknights, and on weekends. Please bring:
- Government Issued ID
- Void check
- Loan statements
- Two recent pay stubs
We will help you set up payments, usually direct deposit/ACH, and work with you to determine the best time for you to make your payments. Your program manager will pay off your payday loan on your behalf.
You will continue making your payments to Exodus Lending and your program manager will check in with you periodically. You will also set up meetings with Lutheran Social Services (LSS) Financial Counseling and work to meet your savings goal
Upon the final payment to Exodus Lending, you'll receive a letter indicating you've paid the loan off in full. You'll send proof of your meetings with Lutheran Social Services (LSS) and your savings goal to your program manager to receive your incentive.
Help others by sharing your Exodus Lending story. Your testimonial will help us advocate for change, find new participants, and get donations. We also encourage you to tell your friends and family members about Exodus Lending.
In addition to our program, we offer free resources that can help people who have payday lending debt.
LSS Financial Counseling offers a variety of different services and resources for people working to resolve their debt and achieve financial wellness.
Family Means offers financial solutions through its Consumer Credit Counseling Service.
Unfortunately Exodus Lending is unable to assist anyone outside of Minnesota with payday lending debt at the current time. Use caution when seeking help from other organizations — scams abound! When in doubt seek out references from governmental organizations or nonprofits. The Federal Trade Commission provide some resources on Consumer Debt on their website.