Payday Loans by State

State-by-State Payday Loan Laws & Regulations

Payday loan regulations vary dramatically across the United States. Some states allow payday lending with capped fees, others permit it with minimal restrictions, and several states ban payday loans entirely. Understanding your state's specific rules — maximum loan amounts, fee caps, rollover limits, and cooling-off periods — is critical before you borrow.

Our state guides break down the latest lending laws, enforcement actions, and licensed lender availability for each state. We include population-adjusted data, average borrowing costs, and links to your state's financial regulator so you can verify lender licensing independently.