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Loans Rates & Terms

Check out each US state's payday loan interest rates, maximum amounts, and terms.

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Payday Loan Rates & Terms by State

Money lending laws are different from state to state. Why not find a lending service conversant with your state's regulations? CreditYelp can find you one. Just click your state below to start.

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Alabama Arkansas Arizona Alaska California Colorado Delaware District of Columbia Florida Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Mexico North Carolina North Dakota Ohio Oklahoma Oregon Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Wisconsin Washington Wyoming

Alabama

Payday Loan Terms in AL

Payday Loans are legal in Alabama

$500
Max loan amount
31 Days
Max loan term
456%
Max APR
17.5%
Max finance charge

Arkansas

Payday Loan Terms in AR

Payday Loans are prohibited in Arkansas. Consider small loans(up to 17% APR)or installment loans instead.

Arizona

Payday Loan Terms in AZ

Payday Loans are prohibited in Arizona. Consider small loans(up to 36% APR+5% fee)or installment loans instead.

Alaska

Payday Loan Terms in AK

Payday Loans are legal in Alaska.

$500
Max loan amount
14 Days
Max loan term
520%
Max APR
$5+15%
Max finance charge

California

Payday Loan Terms in CA

Payday Loans are legal in California.

$300
Max loan amount
31 Days
Max loan term
459%
Max APR
15%
Max finance charge

Colorado

Payday Loan Terms in CO

Payday Loans are prohibited in Colorado. Consider small loans with a minimum term of 6 months and an APR of 36% for installment loans.

Delaware

Payday Loan Terms in DE

Payday Loans are legal in Delaware.

$1000
Max loan amount
60 Days
Max loan term
521%
Max APR
N/A
Max finance charge

District of Columbia

Payday Loan Terms in DC

Payday Loans are prohibited in Colorado. Consider small loans with 24% APR or installment loans instead.

Florida

Payday Loan Terms in FL

Payday Loans are legal in Florida.

$500
Max loan amount
7-31 Days
Max loan term
419%
Max APR
$5+10%
Max finance charge

Hawaii

Payday Loan Terms in HI

Payday Loans are legal in Hawaii.

$500
Max loan amount
32 Days
Max loan term
459%
Max APR
15%
Max finance charge

Idaho

Payday Loan Terms in ID

Payday Loans are legal in Idaho.

$1000
Max loan amount
N/A
Max loan term
N/A
Max APR
N/A
Max finance charge

Illinois

Payday Loan Terms in IL

Payday Loans are legal in Illinois.

$1000
Max loan amount
45 Days
Max loan term
403%
Max APR
$1+15.5%
Max finance charge

Indiana

Payday Loan Terms in IN

Payday Loans are legal in Indiana.

$605
Max loan amount
14 Days
Max loan term
390%
Max APR
15%
Max finance charge

Iowa

Payday Loan Terms in IA

Payday Loans are legal in Iowa.

$500
Max loan amount
31 Days
Max loan term
433%
Max APR
15%
Max finance charge

Kansas

Payday Loan Terms in KS

Payday Loans are legal in Kansas.

$500
Max loan amount
30 Days
Max loan term
390%
Max APR
15%
Max finance charge

Kentucky

Payday Loan Terms in KY

Payday Loans are legal in Kentucky.

$500
Max loan amount
60 Days
Max loan term
459%
Max APR
$1+15%
Max finance charge

Louisiana

Payday Loan Terms in LA

Payday Loans are legal in Louisiana.

$360
Max loan amount
60 Days
Max loan term
780%
Max APR
$10+16.75%
Max finance charge

Maine

Payday Loan Terms in ME

Payday Loans are legal in Maine.

$2000
Max loan amount
N/A
Max loan term
30%+
Max APR
N/A
Max finance charge

Michigan

Payday Loan Terms in MI

Payday Loans are legal in Michigan.

$600
Max loan amount
31 Days
Max loan term
390%
Max APR
15%
Max finance charge

Minnesota

Payday Loan Terms in MN

Payday Loans are legal in Minnesota.

$350
Max loan amount
30 Days
Max loan term
390%
Max APR
15%
Max finance charge

Mississippi

Payday Loan Terms in MS

Payday Loans are legal in Miississippi.

$500
Max loan amount
30 Days
Max loan term
520%
Max APR
20%
Max finance charge

Missouri

Payday Loan Terms in MO

Payday Loans are legal in Missouri.

$500
Max loan amount
31 Days
Max loan term
1950%
Max APR
75%
Max finance charge

Montana

Payday Loan Terms in MT

Payday Loans are legal in Montana.

$300
Max loan amount
31 Days
Max loan term
36%
Max APR
1.39%
Max finance charge

Nebraska

Payday Loan Terms in NE

Payday Loans are legal in Nebraska.

$500
Max loan amount
34 Days
Max loan term
459%
Max APR
17.65%
Max finance charge

Nevada

Payday Loan Terms in NV

Payday Loans are legal in Nevada.

25% of
Max loan amount
35 Days
Max loan term
456%
Max APR
17.5%
Max finance charge

New Mexico

Payday Loan Terms in NM

Payday Loans are prohibited in New Mexico. Consider other types of loans instead.

North Carolina

Payday Loan Terms in NC

Payday Loans are prohibited in North Carolina. Consider installment loans instead.

North Dakota

Payday Loan Terms in ND

Payday Loans are legal in North Dakota.

$500
Max loan amount
60 Days
Max loan term
520%
Max APR
20%
Max finance charge

Ohio

Payday Loan Terms in OH

Payday Loans are legal in Ohin.

$100
Max loan amount
1 Year
Max loan term
28%
Max APR
N/A
Max finance charge

Oklahoma

Payday Loan Terms in OK

Payday Loans are legal in Oklahoma.

$500
Max loan amount
45 Days
Max loan term
390%
Max APR
15%
Max finance charge

Oregon

Payday Loan Terms in OR

Payday Loans are legal in Oregon.

$50000
Max loan amount
60 Days
Max loan term
36%
Max APR
154%
Max finance charge

Rhode Island

Payday Loan Terms in RI

Payday Loans are legal in Rhode Island.

$500
Max loan amount
13 Days
Max loan term
260%
Max APR
10%
Max finance charge

South Carolina

Payday Loan Terms in SC

Payday Loans are legal in South Carolina.

$550
Max loan amount
31 Days
Max loan term
390%
Max APR
15%
Max finance charge

South Dakota

Payday Loan Terms in SD

Payday Loans are legal in South Dakota.

$500
Max loan amount
N/A
Max loan term
39%
Max APR
1.39%
Max finance charge

Tennessee

Payday Loan Terms in TN

Payday Loans are legal in Tennessee.

$500
Max loan amount
31 Days
Max loan term
459%
Max APR
17.65%
Max finance charge

Texas

Payday Loan Terms in TX

Payday Loans are legal in Texas.

N/A
Max loan amount
180 Days
Max loan term
No cap
Max APR
No cap
Max finance charge

Utah

Payday Loan Terms in UT

Payday Loans are legal in Utah.

No Limit
Max loan amount
10 Weeks
Max loan term
No Limit
Max APR
No Limit
Max finance charge

Virginia

Payday Loan Terms in VA

Payday Loans are legal in Virginia.

$500
Max loan amount
30 Days
Max loan term
687.76%
Max APR
36%+
Max finance charge

Wisconsin

Payday Loan Terms in WI

Payday Loans are legal in Wisconsin.

$1500
Max loan amount
90 Days
Max loan term
No Limit
Max APR
No Limit
Max finance charge

Washington

Payday Loan Terms in WA

Payday Loans are legal in Washington.

$700
Max loan amount
45 Days
Max loan term
390%
Max APR
15%
Max finance charge

Wyoming

Payday Loan Terms in WY

Payday Loans are legal in Wyoming.

No Limit
Max loan amount
31 Days
Max loan term
780%
Max APR
30%
Max finance charge