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Compare Payday Loans Across All 50 States

Find licensed lenders, compare rates, and get fast approval. Transparent fees, no hidden costs.

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✓ CFPB Regulated 🔒 Secure & Private ⚡ Instant Decision

How It Works - 3 Simple Steps

1

Fill Out Form

Complete our secure online application in under 5 minutes. No paperwork required.

2

Get Matched

We connect you with licensed lenders in your state. Compare offers and choose the best rate.

3

Receive Funds

Get approved in minutes. Funds deposited to your account as soon as the next business day.

Payday Loans by State

Find licensed lenders in your state. We cover all 50 states with 244+ cities.

🤠 Texas

30M residents

Legal
Cities Covered: 50
Max Loan Amount: $1,800

🌴 Florida

22M residents

Legal
Cities Covered: 49
Max Loan Amount: $500

☀️ California

39M residents

Legal (Restricted)
Cities Covered: 48
Max Loan Amount: $300

🏭 Ohio

12M residents

Legal (Reformed)
Cities Covered: 48
Max Loan Amount: $1,000

🌆 Illinois

13M residents

Legal (36% APR Cap)
Cities Covered: 49
Max Loan Amount: $1,000
View All States

Top Rated Payday Lenders

Licensed, verified, and trusted by thousands of borrowers nationwide.

CashNetUSA

★ 4.5
1 hour
Loan Range: $300 - $3,000
Approval Time: 1 hour
View Details

Check Into Cash

★ 4.3
15 min
Loan Range: $50 - $1,500
Approval Time: 15 min
View Details

Advance America

★ 4.2
30 min
Loan Range: $100 - $5,000
Approval Time: 30 min
View Details

MoneyKey

★ 4.4
1 hour
Loan Range: $200 - $2,500
Approval Time: 1 hour
View Details

Speedy Cash

★ 4.1
15 min
Loan Range: $100 - $1,500
Approval Time: 15 min
View Details

ACE Cash Express

★ 4
30 min
Loan Range: $100 - $1,400
Approval Time: 30 min
View Details
Compare All Lenders

Why Choose Credizen?

Licensed Lenders Only

All lenders are state-licensed and CFPB regulated.

Secure & Private

256-bit SSL encryption protects your personal data.

Fast Approval

Get a decision in minutes, funds as soon as tomorrow.

Compare & Save

See all rates and fees before you apply. No hidden costs.

Learn About Payday Loans

What is a Payday Loan?

Learn the basics of payday loans, how they work, and typical costs.

Read more

Eligibility Requirements

Find out what you need to qualify for a payday loan in your state.

Read more

Safer Alternatives

Explore other options that may save you money and offer better terms.

Read more

Quick Answers

Frequently Asked Questions

What is a payday loan?
A payday loan is a short-term, high-cost loan typically for $100 to $1,500, due on your next payday (usually 14-30 days). They are designed for emergency expenses only. APRs typically range from 200% to 664% depending on your state.
Can I get a payday loan with bad credit?
Yes. Most payday lenders do not require a traditional credit check. Instead, they verify your income, employment status, and active bank account. Approval is based on your ability to repay, not your credit score.
How fast can I receive funds?
Many lenders offer same-day or next-business-day funding. Online applications typically take 5-15 minutes. Once approved, funds are deposited directly into your bank account, often within 24 hours.
What are the requirements for a payday loan?
Basic requirements include: (1) Valid government-issued ID, (2) Proof of steady income (pay stubs or bank statements), (3) Active checking account, (4) Being at least 18 years old, and (5) A valid phone number and email address.
Are payday loans legal in all US states?
No. Payday loan regulations vary by state. Some states like Texas and Florida allow payday loans with specific fee caps, while others like New York and Georgia have effectively banned them. Always check your state laws before applying.
How much does a payday loan cost?
Costs vary by state. A typical payday loan charges $15-$30 per $100 borrowed. For a $500 loan at $15 per $100, you would pay $75 in fees. This translates to an APR of approximately 391%. Always compare total costs before borrowing.
What happens if I cannot repay my payday loan on time?
If you cannot repay on time, contact your lender immediately. Options may include an extended payment plan (required by law in some states), loan rollover (where permitted), or negotiating new terms. Late fees and additional interest may apply. Avoid defaulting, as it can be sent to collections.
What are alternatives to payday loans?
Alternatives include: credit union payday alternative loans (PALs) at 28% max APR, payment plans with creditors, employer paycheck advances, local emergency assistance programs, credit card cash advances, and personal installment loans with lower APRs.

⚠️ Borrow Responsibly

Payday loans are short-term, high-cost loans intended for emergency use only. APRs can range from 200% to 600%. Consider all alternatives before borrowing.

For more information on responsible borrowing and consumer protection, visit the Consumer Financial Protection Bureau.

🏛️U.S. Financial Regulators

Always verify your lender is licensed and check official consumer resources:

CFPBConsumer Financial Protection BureauFederal consumer protection — complaint database, payday lending rules, borrower rights
FTCFederal Trade CommissionConsumer protection — fraud alerts, deceptive lending practices, report scams
OCCOffice of the Comptroller of the CurrencyNational bank supervision — chartered lender verification, banking regulations
FDICFederal Deposit Insurance CorporationBank deposit insurance — verify FDIC-insured institutions, financial literacy

All links lead to official government websites and are not affiliate links.

Emergency Financial Help

If you're experiencing financial difficulties, contact your local financial counseling service.

  • South Africa: National Credit Regulator - 0860 627 627
  • Romania: ANPC - 0213142200
  • Colombia: Superintendencia Financiera - (571) 594 2222
  • Poland: KNF - 22 262 5000
  • Czech Republic: ČNB (Česká národní banka) - 224 411 111
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