Thank you for responding to me so quickly! The interest rate I am paying goes from 476% interest initially up to as high as 1368% the longer I have the loan. I originally took out the $500 loan the middle of April so I'm guessing my rate is probably somewhere in the middle of that range about now. I've been reading different things about Minnesota and the laws concerning these loans and I am confused. In some places it says that payday loans are legal here and if the loan company is in another state the law regarding the loan follows the laws in place for that state. Another time I read that Minnesota has changed its law recently and now payday loans follow Minnesota law no matter where their office may be. Do you know who I would contact to find out for sure? As I'm sure you know, when it comes to state law there are hundreds of categories and I'm not sure what category this would fall under or what state department might help me with this. If Integrity Advance would be governed by Minnesota law I think my situation might not be so grim - right? By the way, this site has become my new best friend - thank you, thank you, for taking the time to help!