Rates and Terms

Payday loans are illegal in these states:

Arkansas, Arizona, Alaska, Connecticut, Colorado, District of Columbia, Georgia, Maine, Maryland, Massachusetts, New Jersey, New Mexico, New York, North Carolina, Pennsylvania, Vermont, West Virginia

Payday loan rates and limits by state

  • Alabama - Maximum loan amount: $500; maximum period: 30 days; maximum APR: 456%.
  • Alaska - Maximum loan amount: $500; maximum period: 14 days; maximum APR: 520%.
  • California - Maximum loan amount: $300; maximum period: 31 days; maximum APR: 459%.
  • Delaware - Maximum loan amount: $1000; maximum period: 61 days; maximum APR: 521%.
  • Florida - Maximum loan amount: $500; maximum period: 31 days; maximum APR: 419%.
  • Idaho - Maximum loan amount: $1000.
  • Illinois - Maximum loan amount: $1000; maximum period: 45 days; maximum APR: 403%.
  • Indiana - Maximum loan amount: $605; maximum period: 14 days; maximum APR: 390%.
  • Iowa - Maximum loan amount: $500; maximum period: 31 days; maximum APR: 433%.
  • Kansas - Maximum loan amount: $500; maximum period: 30 days; maximum APR: 390%.
  • Kentucky - Maximum loan amount: $500; maximum period: 60 days; maximum APR: 459%.
  • Louisiana - Maximum loan amount: $360; maximum period: 60 days; maximum APR: 780%.
  • Michigan - Maximum loan amount: $600; maximum period: 31 days; maximum APR: 390%.
  • Minnesota - Maximum loan amount: $350; maximum period: 30 days; maximum APR: 390%.
  • Mississippi - Maximum loan amount: $500; maximum period: 30 days; maximum APR: 520%.
  • Missouri - Maximum loan amount: $500; maximum period: 31 days; maximum APR: 1950%.
  • Nebraska - Maximum loan amount: $500; maximum period: 34 days; maximum APR: 459%.
  • Nevada - Maximum loan amount: 25% of your income; maximum period: 35 days; maximum APR: 456%.
  • North Dakota - Maximum loan amount: $500; maximum period: 60 days; maximum APR: 520%.
  • Oklahoma - Maximum loan amount: $500; maximum period: 45 days; maximum APR: 390%.
  • Rhode Island - Maximum loan amount: $500; maximum period: 13 days; maximum APR: 260%.
  • South Carolina - Maximum loan amount: $550; maximum period: 31 days; maximum APR: 390%.
  • Tennessee - Maximum loan amount: $500; maximum period: 31 days; maximum APR: 459%.
  • Texas - No maximum loan limits; maximum period: 180 days; no APR limits.
  • Utah - No maximum loan limits; maximum period: 10 weeks; no APR limits.
  • Virginia - Maximum loan amount: $500; maximum period: 30 days; maximum APR: 687.76%.
  • Washington - Maximum loan amount: $700; maximum period: 45 days; maximum APR: 390%.
  • Wisconsin - Maximum loan amount: $1500; maximum period: 90 days, with no APR limits.
  • Wyoming - No maximum loan limit.; maximum period: 31 days; maximum APR: 780%.

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