Payday loan laws by state
State law decides everything about payday lending where you live — whether it exists, how much you can borrow, and what it costs. Find your state below.
Draft data notice: statuses and figures below are research drafts pending verification against each state regulator, and are marked accordingly on every page. The request flow always fails closed: we never route loan requests from states we classify as prohibited.
AlabamaLegalAlaskaLegalArizonaNot availableArkansasNot availableCaliforniaLegalColoradoNot availableConnecticutNot availableDelawareLegalDistrict of ColumbiaNot availableFloridaLegalGeorgiaNot availableHawaiiNot availableIdahoLegalIllinoisNot availableIndianaLegalIowaLegalKansasLegalKentuckyLegalLouisianaLegalMaineRestrictedMarylandNot availableMassachusettsNot availableMichiganLegalMinnesotaNot availableMississippiLegalMissouriLegalMontanaNot availableNebraskaNot availableNevadaLegalNew HampshireNot availableNew JerseyNot availableNew MexicoNot availableNew YorkNot availableNorth CarolinaNot availableNorth DakotaLegalOhioLegalOklahomaLegalOregonRestrictedPennsylvaniaNot availableRhode IslandLegalSouth CarolinaLegalSouth DakotaNot availableTennesseeLegalTexasLegalUtahLegalVermontNot availableVirginiaLegalWashingtonLegalWest VirginiaNot availableWisconsinLegalWyomingLegal