Payday Loans by State

Compare lenders, regulations, and rates in your state

Licensed Lenders

Updated Feb 2026

50 States Covered

Alabama

AL

Population: 5,024,279

Cities Covered: 112

Typical APR: 456%

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Alaska

AK

Population: 733,391

Cities Covered: 10

Typical APR: 521%

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Arizona

AZ

Population: 7,151,502

Typical APR: 0%

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Arkansas

AR

Population: 3,011,524

Typical APR: 17%

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California

CA

Legal (Regulated)

Population: 39,538,223

Cities Covered: 126

Typical APR: 459%

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Colorado

CO

Legal (Regulated)

Population: 5,773,714

Cities Covered: 44

Typical APR: 45%

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Connecticut

CT

Population: 3,605,944

Typical APR: 0%

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Delaware

DE

Population: 989,948

Cities Covered: 13

Max Loan: $1,000

Typical APR: 521%

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Florida

FL

Legal (Regulated)

Population: 21,538,187

Cities Covered: 101

Typical APR: 419%

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Georgia

GA

Population: 10,711,908

Typical APR: 0%

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Hawaii

HI

Population: 1,455,271

Cities Covered: 10

Typical APR: 459%

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Idaho

ID

Population: 1,839,106

Cities Covered: 20

Max Loan: $1,000

Typical APR: 582%

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Illinois

IL

Legal (Regulated)

Population: 12,812,508

Cities Covered: 212

Max Loan: $1,000

Typical APR: 403%

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Indiana

IN

Population: 6,785,528

Cities Covered: 78

Typical APR: 391%

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Iowa

IA

Population: 3,190,369

Cities Covered: 5

Typical APR: 433%

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Kansas

KS

Population: 2,937,880

Cities Covered: 40

Typical APR: 391%

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Kentucky

KY

Population: 4,505,836

Cities Covered: 51

Typical APR: 459%

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Louisiana

LA

Population: 4,657,757

Cities Covered: 38

Typical APR: 391%

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Maine

ME

Legal (Regulated)

Population: 1,362,359

Cities Covered: 62

Max Loan: $2,000

Typical APR: 261%

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Maryland

MD

Population: 6,177,224

Typical APR: 0%

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Massachusetts

MA

Population: 7,029,917

Typical APR: 0%

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Michigan

MI

Population: 10,077,331

Cities Covered: 9

Typical APR: 369%

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Minnesota

MN

Legal (Regulated)

Population: 5,706,494

Cities Covered: 6

Typical APR: 390%

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Mississippi

MS

Population: 2,961,279

Cities Covered: 5

Typical APR: 572%

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Missouri

MO

Population: 6,154,913

Cities Covered: 6

Typical APR: 652%

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Montana

MT

Population: 1,084,225

Cities Covered: 3

Typical APR: 400%

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Nebraska

NE

Population: 1,961,504

Cities Covered: 5

Typical APR: 459%

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Nevada

NV

Population: 3,104,614

Cities Covered: 8

Max Loan: $5,000

Typical APR: 652%

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New Hampshire

NH

Population: 1,377,529

Typical APR: 360%

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New Jersey

NJ

Population: 9,288,994

Typical APR: 30%

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New Mexico

NM

Legal (Regulated)

Population: 2,117,522

Max Loan: $2,500

Typical APR: 175%

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New York

NY

Population: 20,201,249

Typical APR: 25%

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North Carolina

NC

Population: 10,439,388

Typical APR: 0%

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North Dakota

ND

Population: 779,094

Typical APR: 520%

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Ohio

OH

Legal (Regulated)

Population: 11,799,448

Cities Covered: 48

Max Loan: $1,000

Typical APR: 667%

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Oklahoma

OK

Population: 3,959,353

Cities Covered: 7

Max Loan: $1,500

Typical APR: 456%

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Oregon

OR

Legal (Regulated)

Population: 4,237,256

Cities Covered: 8

Max Loan: $50,000

Typical APR: 154%

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Pennsylvania

PA

Population: 13,002,700

Typical APR: 0%

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Rhode Island

RI

Population: 1,097,379

Typical APR: 260%

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South Carolina

SC

Population: 5,118,425

Typical APR: 391%

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South Dakota

SD

Population: 886,667

Typical APR: 574%

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Tennessee

TN

Population: 6,910,840

Cities Covered: 6

Typical APR: 460%

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Texas

TX

Population: 29,145,505

Cities Covered: 53

Max Loan: No limit

Typical APR: 664%

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Utah

UT

Population: 3,271,616

Cities Covered: 6

Max Loan: $1,000

Typical APR: 652%

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Vermont

VT

Population: 643,077

Typical APR: 0%

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Virginia

VA

Legal (Regulated)

Population: 8,631,393

Cities Covered: 8

Max Loan: $2,500

Typical APR: 252%

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Washington

WA

Population: 7,705,281

Cities Covered: 10

Typical APR: 390%

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West Virginia

WV

Population: 1,793,716

Typical APR: 0%

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Wisconsin

WI

Population: 5,893,718

Cities Covered: 6

Max Loan: $1,500

Typical APR: 574%

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Wyoming

WY

Population: 576,851

Cities Covered: 3

Max Loan: $2,000

Typical APR: 780%

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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

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Compare Local Rates

APR and fees vary by state due to regulations. See actual costs in your area.

Find Nearby Cities

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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) .

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