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Payday Loans near Your Location

Each state has their own laws regulating loans, including short-term cash loans. Therefore, there might be certain differences in the procedures and you should be aware of them. We gathered a database of all the loan-regulating laws, so select your state and get the detailed information.

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Hawaii Alaska Arkansas Louisiana Mississippi Alabama Florida Georgia South Carolina Tennessee North Carolina Kentucky Missouri Texas Oklahoma Kansas New Mexico Colorado Arizona Utah Nevada California Oregon Idaho Wyoming Nebraska South Dakota Iowa Illinois Indiana Ohio Pennsylvania West Virginia Virginia Maryland District of Columbia Delaware New Jersey Connecticut Rhode Island Massachusetts Maine New Hampshire Vermont New York Michigan Wisconsin Minnesota North Dakota Montana Washington

Differences in legal status among different states

Small-term cash loans are regulated by standard loan legislation in the majority of states. Annual interest rates may wary from 24% to 48% and criminal usury caps may also be applied, capping the interest rates at 25%. This applies to certain states like New York. Some states also require the borrower to be able to make installment payments on the loan.

However, other states sometimes exclude small-term cash loans from usual legislation and there is no interest rate caps there, allowing lenders to charge as much as they want.

States with restrictions caused by small-term cash loans legislation

A dozen of states and a couple of territories use laws that limit the interest rates, restricting cash lenders to charge triple-digit interest rates. At Arkansas, for example, state constitution caps all possible interest rates at 17%, yet check cashers may make one-time payment loans if they hold a check. Arkansas state court is currently deciding whether charging triple-digit interest rates complies with the state constitution.

Arkansas Maryland North Carolina Virgin Islands
Connecticut Massachusetts Pennsylvania West Virginia
Georgia New Jersey Puerto Rico
Maine New York Vermont

States authorizing free regulation of interest rates

The sates below use legislation allowing cash lenders to offer short-term cash loans, based on checks paid from borrowers’ bank accounts, using triple-digit interest rates. New Mexico and Wisconsin, for example, do not allow cash loans to be made explicitly, yet lenders can charge any rates they choose and adjust terms of the deal in any way they find suitable, while these actions comply with state laws of these 2 states.

Alabama Illinois Montana South Dakota
Alaska Indiana Nebraska Tennessee
Arizona Iowa Nevada Texas
California Kansas New Hampshire Utah
Colorado Kentucky North Dakota Virginia
Delaware Louisiana Ohio Washington
District of Columbia Michigan Oklahoma Wyoming
Florida Minnesota Oregon
Hawaii Mississippi Rhode Island
Idaho Missouri South Carolina