Loan Rates and Terms by State
US states where payday loans are legal
- Alabama - In AL you can take a loan up to $500 for no longer than 30 days, with APR up to 456%.
- Alaska - In AK you can take a loan up to $500 for no longer than 14 days, with APR up to 520%.
- California - In CA you can take a loan up to $300 for no longer than 31 days, with APR up to 459%.
- Delaware - In DE you can take a loan up to $1000 for no longer than 61 days, with APR up to 521%.
- Florida - In FL you can take a loan up to $500 for no longer than 31 days, with APR up to 419%.
- Idaho - In ID you can take a loan up to $1000.
- Illinois - In IL you can take a loan up to $1000 for no longer than 45 days, with APR up to 403%.
- Indiana - In IN you can take a loan up to $605 for no longer than 14 days, with APR up to 390%.
- Iowa - In IA you can take a loan up to $500 for no longer than 31 days, with APR up to 433%.
- Kansas - In KS you can take a loan up to $500 for no longer than 30 days, with APR up to 390%.
- Kentucky - In KY you can take a loan up to $500 for no longer than 60 days, with APR up to 459%.
- Louisiana - In LA you can take a loan up to $360 for no longer than 60 days, with APR up to 780%.
- Michigan - In MI you can take a loan up to $600 for no longer than 31 days, with APR up to 390%.
- Minnesota - In MN you can take a loan up to $350 for no longer than 30 days, with APR up to 390%.
- Mississippi - In MS you can take a loan up to $500 for no longer than 30 days, with APR up to 520%.
- Missouri - In MO you can take a loan up to $500 for no longer than 31 days, with APR up to 1950%.
- Nebraska - In NE you can take a loan up to $500 for no longer than 34 days, with APR up to 459%.
- Nevada - In NV you can take a loan up to 25% of your income for no longer than 35 days, with APR up to 456%.
- North Dakota - In ND you can take a loan up to $500 for no longer than 60 days, with APR up to 520%.
- Oklahoma - In OK you can take a loan up to $500 for no longer than 45 days, with APR up to 390%.
- Rhode Island - In RI you can take a loan up to $500 for no longer than 13 days, with APR up to 260%.
- South Carolina - In SC you can take a loan up to $550 for no longer than 31 days, with APR up to 390%.
- Tennessee - In TN you can take a loan up to $500 for no longer than 31 days, with APR up to 459%.
- Texas - In TX you can take a loan for no longer than 180 days, with no APR limits.
- Utah - In UT you can take a loan for no longer than 10 weeks with no APR limits.
- Virginia - In VA you can take a loan up to $500 for no longer than 30 days, with APR up to 687.76%.
- Washington - In WA you can take a loan up to $700 for no longer than 45 days, with APR up to 390%.
- Wisconsin - In AL you can take a loan up to $1500 for no longer than 90 days, with no APR limits.
- Wyoming - In WY you can take a loan for no longer than 31 days, with APR up to 780%.
US states where payday loans are prohibited
Payday loans are illigal in:
- Arkansas
- Arizona
- Alaska
- Connecticut
- Colorado
- District of Columbia
- Georgia
- Maine
- Maryland
- Massachusetts
- New Jersey
- New Mexico
- New York
- North Carolina
- Pennsylvania
- Vermont
- West Virginia