Saint Paul, MN

EXODUS FINANCIAL SERVICES (dba Exodus Lending)

EIN 47-1706853

Justice, Rights & Public Safety Community Organizing & Social Justice Low-income Communities of color

Mission

Exodus Lending works with financially excluded Minnesotans to advance economic justice through consumer lending, community organizing, and advocacy, providing zero-interest refinancing of predatory small-dollar loans while building community power to prevent and eliminate predatory lending.

IRS-recognized 501(c)(3) public charity Contributions are tax-deductible

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About EXODUS FINANCIAL SERVICES (dba Exodus Lending)

Exodus Financial Services, doing business as Exodus Lending, is a Saint Paul, Minnesota-based 501(c)(3) nonprofit that provides zero-interest refinancing of predatory payday, pawn, auto-title, and high-cost installment loans (typically up to $2,500) and connects participants with financial counseling and supports to stabilize household finances. The organization operates a revolving community loan pool and partners with local nonprofits and counseling agencies to deliver its lending program while simultaneously organizing and advocating for statewide policy reforms to cap predatory interest rates and reduce reliance on harmful lending products. In recent annual reporting and public materials Exodus Lending documents measurable results from its program: cumulative participant savings and loan-refinancing totals, hundreds of program graduates, and continuing pilots (the “Resiliency Loan”) and strategic growth efforts (a merger with the Minnesotans for Fair Lending campaign and a CDFI certification application) to expand reach across Minnesota.

Notable achievements

Scale of borrower impact

Through its revolving loan pool and partners, Exodus Lending reports hundreds of program graduates, cumulative participant dollars saved in the low millions, and hundreds of dollars’ worth of predatory loans refinanced—delivering immediate relief from high APRs to Minnesotans who previously paid predatory finance charges.

Resiliency Loan pilot

Designed and launched a zero-interest Resiliency Loan pilot as a direct upstream alternative to payday products, partnering with community organizations statewide to provide small-dollar, dignified loans and supportive repayment pathways.

Merged organizing and advocacy

Integrated the Minnesotans for Fair Lending coalition into its operations to combine direct lending with community organizing and advocacy, and pursued CDFI certification to expand lending capital and scale its community loan pool.

At a glance

Total assets: $5.0M
Annual revenue: $5.0M
Tax status: 501(c)(3)Public charity
EIN: 47-1706853
Location: Saint Paul, MN
Website: exoduslending.org
On Mahalo since: September 2026

Financial figures from the IRS Business Master File, the IRS’s registry of tax-exempt organizations.

Recognition

Rated and profiled by major nonprofit information services; listed as a four-star charity profile on a leading charity rating platform with high accountability/finance indicators.

Registered and active with the Minnesota Attorney General’s charity registry and profiled in national nonprofit databases and directories used by donors and funders.

Cited in state legislative and policy materials and advocacy briefs as an on-the-ground program model and stakeholder in efforts to limit predatory lending in Minnesota.

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