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Compare Payday Loans Across All 50 States

Compare licensed payday lenders, APR, fees, state rules, and safer short-term borrowing options in the USA.

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Compare by lender, cost, state rules, or alternatives

Payday lender reviews

Compare APR, fees, requirements, and funding speed.

Interest rates and APR

Understand finance charges and state fee caps.

Rules by state

Check loan limits, APR caps, and local availability.

Bad credit borrowing options

Compare safer options before using high-cost credit.

Payday loan alternatives

Review PALs, payment plans, apps, and installment options.

$500 payday loan cost

See how fees and APR change the total repayment.

Currently searched

Popular lender review and rate searches

Advance America interest rates Check Into Cash reviews TitleMax interest rates CashNetUSA review NetCredit APR and monthly payments Spotloan tribal loan risks Plain Green Loans review Check City APR MoneyLion personal loans review 2026 Payday loan interest rates explained

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Loan Cost Example & Key Facts

1

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

2

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

3

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Payday Loans by State

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

Cost answer

How much does a payday loan cost?

A typical payday loan fee may be $10 to $30 per $100 borrowed, depending on state law and lender terms. A $500 loan with a $15 fee per $100 costs $75, with $575 due on the repayment date. That can equal an APR around 391% for a 14-day term.

Payday loan interest rates $500 loan cost example Loan calculator

🀠 Texas

30M residents

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

🌴 Florida

22M residents

Legal
Cities Covered: 49
Max Loan Amount: $500

β˜€οΈ 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

πŸŒ† 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.

Advance America

β˜… 4.2
30 min
Interest rates, review, loans

Review APR, state fees, same-day funding, and alternatives.

Loan Range: $100 - $2,000
Approval Time: 30 min
View Details

Check Into Cash

β˜… 4.3
15 min
Reviews, rates, requirements

Compare fees, storefront vs online availability, and approval requirements.

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

TitleMax

β˜… 4
1 day
Interest rates, title loan risks

See title loan rates, fees, collateral risk, and unsecured alternatives.

Loan Range: $300 - $10,000
Approval Time: 1 day
View Details

CashNetUSA

β˜… 4.5
1 hour
Review, APR, requirements

Check product availability, APR range, fees, and repayment rules by state.

Loan Range: $100 - $3,000
Approval Time: 1 hour
View Details

NetCredit

β˜… 4.4
1 day
APR, monthly payments

Compare installment payments, eligibility, and total interest.

Loan Range: $1,000 - $10,000
Approval Time: 1 day
View Details

Spotloan

β˜… 4
1 day
Tribal loan, APR

Understand tribal lending status, payment schedule, APR, and risks.

Loan Range: $300 - $800
Approval Time: 1 day
View Details

Plain Green

β˜… 3.9
1 day
Loans, reviews

Review line-of-credit costs, repayment terms, and alternatives.

Loan Range: $500 - $3,500
Approval Time: 1 day
View Details

MoneyLion

β˜… 4.5
6 hours
Personal loans review 2026

Compare Instacash, loan options, fees, and approval factors.

Loan Range: $500 - $5,000
Approval Time: 6 hours
View Details

State-law quick links

Florida payday loan rulesTexas payday loan rulesWashington payday loan lawsOhio payday loan regulationsMichigan payday loan rulesWisconsin payday loan rules
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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.

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Safer Alternatives

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

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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.

πŸ›οΈU.S. Financial Regulators

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

CFPBConsumer Financial Protection BureauFederal consumer protection β€” complaint database, payday lending rules, borrower rights
FTCFederal Trade CommissionConsumer protection β€” fraud alerts, deceptive lending practices, report scams
OCCOffice of the Comptroller of the CurrencyNational bank supervision β€” chartered lender verification, banking regulations
FDICFederal Deposit Insurance CorporationBank deposit insurance β€” 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.

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  • Colombia: Superintendencia Financiera - (571) 594 2222
  • Poland: KNF - 22 262 5000
  • Czech Republic: ČNB (ČeskΓ‘ nΓ‘rodnΓ­ banka) - 224 411 111
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