MN · LOAN-AGMT · Updated July 2026 · Free
Minnesota Loan Agreement PDF
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Minnesota at a glance: Usury Cap (Under $100k): 8% per year (Minn. Stat. § 334.01) · Default Interest: 6% (if not written) · Governing Law: Minnesota Statutes Chapter 334
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Overview
Loan Agreements in Minnesota
Minnesota caps interest rates on personal loans under $100,000 at 8% per year (Minn. Stat. § 334.01).
Key Facts
Minnesota Loan Agreement — Quick Reference
| Requirement | Minnesota Rule |
|---|---|
| Usury Cap (Under $100k) | 8% per year (Minn. Stat. § 334.01) |
| Default Interest | 6% (if not written) |
| Governing Law | Minnesota Statutes Chapter 334 |
Legal Requirements
Minnesota Legal Requirements
- Interest rates must not exceed 8% per annum for loans under $100,000.
Governing Laws
Minnesota Governing Laws
Read the full text of these laws at Cornell Law School's Minnesota legal resources or your state legislature's official website.
Questions & Answers
Minnesota Loan Agreement — Frequently Asked Questions
Are loans over $100,000 exempt from Minnesota's usury law?
Yes, transactions over $100,000 are exempt.