Payday Loans by State
Compare lenders, regulations, and rates in your state
Alabama
AL
Alaska
AK
Arizona
AZ
Arkansas
AR
California
CA
Colorado
CO
Connecticut
CT
Delaware
DE
Florida
FL
Georgia
GA
Hawaii
HI
Idaho
ID
Illinois
IL
Indiana
IN
Iowa
IA
Kansas
KS
Kentucky
KY
Louisiana
LA
Maine
ME
Maryland
MD
Massachusetts
MA
Michigan
MI
Minnesota
MN
Mississippi
MS
Missouri
MO
Montana
MT
Nebraska
NE
Nevada
NV
New Hampshire
NH
New Jersey
NJ
New Mexico
NM
New York
NY
North Carolina
NC
North Dakota
ND
Ohio
OH
Oklahoma
OK
Oregon
OR
Pennsylvania
PA
Rhode Island
RI
South Carolina
SC
South Dakota
SD
Tennessee
TN
Texas
TX
Utah
UT
Vermont
VT
Virginia
VA
Washington
WA
West Virginia
WV
Wisconsin
WI
Wyoming
WY
Why Search by State?
State-Specific Regulations
Each state has different payday loan laws. Know your max amount, APR caps, and consumer protections.
Licensed Local Lenders
Only lenders licensed to operate in your state. Avoid unlicensed or illegal lenders.
Compare Local Rates
APR and fees vary by state due to regulations. See actual costs in your area.
Find Nearby Cities
Browse lenders by city. Some lenders serve specific metro areas only.
Frequently Asked Questions
Why should I compare payday loans by state?
State laws set different limits on loan amounts, fees, APR, and rollovers. Comparing by state helps you avoid offers that are not compliant where you live.
Are payday loans legal in every US state?
No. Some states allow payday lending, some regulate it heavily, and others prohibit it. Always confirm your state rule set before applying.
How do I find licensed lenders in my state?
Use the state pages to review lender availability and compliance context. You can also verify licensing with your state regulator listed on each page.
What APR should I expect for a payday loan?
APR varies by state and lender and can range widely, often from around 200% to 700%+. Review the full repayment amount and fees, not APR alone.
What alternatives exist if payday loans are restricted in my state?
Alternatives include installment loans, credit-union PAL loans, and creditor payment plans. These options may provide lower total cost for many borrowers.
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Important Information
Payday loan regulations vary significantly by state. Always verify current regulations with your state's consumer financial protection agency before applying. Credizen is a comparison platform and does not directly provide loans. We may earn commission from lenders when you submit a loan request.
For official consumer protection resources, visit the Consumer Financial Protection Bureau (CFPB) .
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