Payday Loans by State

Alabama permits payday loans up to $500 with 17.5% max fee. 72 cities covered across the state.

Alaska regulates payday loans with $500 max and 15% fee cap. Limited availability statewide.

Arizona caps payday loans at $500 with 36% APR maximum under consumer protection laws.

Arkansas allows payday loans up to $400 with 17% max fee. 52 cities serviced.

California allows payday loans up to $300 with 15% max fee ($45). Strict consumer protections.

Colorado reformed payday lending with 36% APR cap and extended payment plans.

Connecticut allows payday loans up to $600 with 12% fee cap. Strong consumer protections.

Florida caps payday loans at $500 with mandatory 24-hour cooling-off periods between loans.

Georgia permits installment loans up to $3,000. Traditional payday loans prohibited.

Illinois enacted Predatory Loan Prevention Act in 2021 with 36% APR cap. 212 cities covered.

Indiana allows payday loans up to $605 with 15% fee. 78 cities covered statewide.

Kansas permits payday loans up to $500 with 15% fee and $75 NSF charge.

Kentucky allows payday loans up to $500 with $15 per $100 fee. 51 cities serviced.

Louisiana caps payday loans at $350 with 16.75% max fee. Strong lender presence.

Maine allows consumer loans up to $2,000 with 30% APR cap. Limited payday lenders.

Maryland regulates payday loans with $1,000 max and 33% APR cap.

Massachusetts has strict small loan regulations with 23% APR cap. Limited payday lenders.

Ohio reformed payday lending in 2018 with 28% APR cap under Fairness in Lending Act.

Texas allows payday loans up to $1,800 with no APR cap. 50 major cities covered.