Payday Loans by State
Payday-loan rules are not uniform across the United States. The same search term can refer to different legal products from one state to another — and payday lending is prohibited in some states.
Choose your state
Each state page uses its own verified regulatory data and official sources.
Alabama permits licensed deferred-presentment transactions up to $500 for 10–31 days. The fee may not exceed 17.5% of the amount advanced, and renewal is…
Alaska permits licensed deferred-deposit advances with an aggregate $500 borrower balance ceiling. The advance must run at least 14 days; fees are capped by…
Arizona’s special high-interest payday-loan authorization expired on June 30, 2010. PLS Cash Advance therefore treats payday loans as unavailable in Arizona and routes visitors…
Arkansas does not have a lawful storefront payday-loan market. The Attorney General states that payday storefronts were eliminated through enforcement, and high-interest products cannot…
California payday loans are legally “deferred deposit transactions.” The check face amount is capped at $300, the fee is capped at 15% of that…
Colorado permits a reformed deferred-deposit loan up to $500. The loan must run at least six months, finance charges are capped at 36% APR,…
Connecticut does not permit the traditional unlicensed high-cost payday model. Payday-style borrowing is routed through the licensed Small Loan Act framework; under $5,000 the…
Delaware permits licensed short-term consumer loans of $1,000 or less with repayment periods under 60 days. The state limits rollovers and annual loan frequency,…
Florida permits payday-style lending as regulated deferred presentment transactions. The law separates a standard 7–31 day transaction from a 60–90 day deferred presentment installment…
Payday lending is illegal in Georgia. PLS Cash Advance therefore does not present a payday amount or cost calculator for Georgia and instead routes…
Hawaii repealed its former payday/deferred-deposit lending law effective January 1, 2022. The state replaced that model with licensed small-dollar installment loans, so this page…
Idaho permits licensed payday loans with principal up to $1,000 and an additional 25%-of-gross-monthly-income limit. The law limits consecutive renewals and gives eligible borrowers…
Illinois still has a statutory payday-loan framework, but since the Predatory Loan Prevention Act took effect, covered payday loans are capped at 36% PLPA…
Indiana permits regulated small loans commonly searched as payday loans. Current DFI guidance caps aggregate small-loan principal at $825, requires at least a 14-day…
Iowa permits licensed delayed-deposit transactions subject to a $500 aggregate check-face ceiling, a maximum 31-day holding period, a statutory fee schedule, and an anti-refinancing…
Kansas permits regulated payday loans up to $500 for 7–30 days. The special payday charge is capped at 15% of the cash advance, and…
Kentucky permits regulated deferred-deposit transactions. Current 2026 law limits aggregate proceeds across open transactions to $600 before future CPI adjustments, caps the service fee…
Louisiana permits regulated deferred-presentment and small-loan products. Current law allows up to $700 paid to the issuer on a deferred-presentment transaction, while OFI publishes…
Maine permits payday-style lending only within its broader supervised consumer-credit framework. Payday lenders are supervised lenders, and the current closed-end finance-charge schedule is tiered…
Maryland does not authorize a separate high-cost payday-loan regime. Most consumer lenders must be licensed, and loans of $25,000 or less are subject to…
Massachusetts DOB says payday lending itself is not categorically prohibited, but the high-cost product commonly called a payday loan is illegal because of its…
Michigan permits regulated deferred-presentment payday transactions up to $600 for 7–31 days. The maximum service fee is tiered by $100 bands and reaches $76…
Minnesota permits tightly regulated small-dollar and short-term loans under a 50% all-in APR ceiling. The single-payment consumer small-loan category is limited to $350 and…
Mississippi permits licensed delayed-deposit transactions with aggregate check face amount up to $500, a maximum 30-day term, amount-based fee caps, and no fee-only rollover.…
Missouri permits regulated payday loans of $500 or less for 14–31 days. The law allows limited renewals with mandatory principal reduction and caps total…
Montana law still defines a tightly limited deferred-deposit loan—$50 to $300, up to 31 days, with charges capped at 36% per annum—but the state…
Nebraska permits regulated delayed-deposit transactions at no more than 36% APR. A lender may hold at most two checks from one borrower with an…
Nevada permits licensed deferred deposit loans. The original term is generally no more than 35 days, the amount is constrained by a 25%-of-gross-monthly-income test…
New Hampshire permits a tightly restricted payday product: principal is capped at $500, APR at 36%, a check/debit payday term runs 7–30 days, no…
The typical high-cost payday loan is not a lawful standalone product in New Jersey. NJDOBI has warned that payday lenders commonly operate without the…
New Mexico repealed its former payday-loan statutory product. Current licensed small-dollar lending is structured around installment loans, so PLS Cash Advance routes the full…
Payday loans are illegal in New York State. This page explains the prohibition and points visitors who need $200–$5,000 toward legal consumer-loan options instead…
Payday lending is not authorized in North Carolina. The former payday authorization expired in 2001, and state enforcement continues to describe payday lending as…
North Dakota permits licensed deferred-presentment transactions with cash disbursement up to $500, aggregate outstanding obligations up to $600, a fee capped at 20% of…
Ohio permits regulated short-term loans up to $1,000, but the state product is materially different from a traditional single-payment payday loan: it generally runs…
Oklahoma no longer authorizes new loans under its former Deferred Deposit Lending Act. Payday search intent now maps to the licensed Oklahoma Small Loan…
Oregon permits regulated payday loans for 31–60 days. A new loan may carry interest up to 36% per year plus a one-time origination fee…
Pennsylvania does not provide a conventional high-cost payday-loan regime for nonbank payday lenders. State officials say Pennsylvania’s usury law has effectively kept predatory payday…
Rhode Island currently permits licensed deferred-deposit transactions with a $500 check-face ceiling, a minimum 13-day term, a 10%-of-funds-advanced fee cap, and no more than…
South Carolina permits licensed deferred-presentment transactions for up to 31 days. The amount advanced may not exceed $550 excluding the permitted fee, and the…
South Dakota still licenses payday lenders as Money Lenders, but the product is heavily constrained: principal may not exceed $500 and all interest, fees…
Tennessee permits licensed deferred-presentment loans subject to a $500 aggregate outstanding check-face ceiling, a maximum 31-day agreement, a fee cap of 15% of face…
Texas permits payday loans primarily through the Credit Access Business model. A licensed CAB arranges a deferred presentment loan from an independent third-party lender…
Utah permits registered deferred-deposit lenders and does not set a general statewide interest-rate ceiling. The law instead emphasizes disclosure, registration, partial-payment and rescission rights,…
Vermont does not support the traditional high-cost payday model. A Title 8 regulated single-payment loan is capped at 18% per annum, and lenders generally…
Virginia replaced its former payday model with a regulated Short-Term Loan product. Loans may be up to $2,500, generally run four to 24 months,…
Washington permits regulated small/payday loans up to the lesser of $700 or 30% of gross monthly income. The normal term is no more than…
The West Virginia Division of Financial Institutions states that traditional payday lenders are generally prohibited. PLS Cash Advance therefore treats payday intent as informational…
Wisconsin permits licensed payday loans with terms of 90 days or less. Borrower-level aggregate liability is capped at the lesser of $1,500 or 35%…
Wyoming permits licensed post-dated-check lending. The transaction generally may not exceed one calendar month, and the finance charge may not exceed the greater of…
How payday-loan rules vary by state
“Payday loans” is an SEO and consumer search term, not one nationwide legal regime. Each state guide below maps that search intent to the applicable state framework, shows the relevant amount and repayment rules, and cites the official sources used for the regulatory facts.
Regulatory citations, lender-license lookup links, detailed limits and calculator notes are shown on the individual state pages rather than duplicated here.