Rates and Terms

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