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State rule guide

Payday Loans by State: Check Current Rules, Cost & Licensed Routes

Choose your state to check current payday-loan status, amount/fee/term rules, regulator, license path, product alternatives and verified options.

Check available options →Read the guide
✓Availability✓Limits✓Licensing
01

Check the actual providerConfirm who makes the credit decision.

02

Normalize the costCompare fees, APR, total due and dates.

03

Stress-test repaymentProtect essential cash after the payment.

Complete guide

Answers, tradeoffs and next steps

Use the sections below to evaluate fit, not to predict approval.

The state selector is a product filter, not navigation decoration

CFPB notes that not all states allow payday lending and recommends verifying a lender with the state regulator or attorney general. CFPB_LICENSE

Interactive decision tool

State range checker

Test the requested amount against the rule summarized on this page.

1Enter→2Compare→3Verify
Illustrative resultEnter your numbers

Provider terms and current state requirements control any offer.

Decision infographic

From state rule to final provider check

A statutory ceiling is not an approval amount.

StartState ruleProduct status and maximum.
ThenOpen loansDatabase or provider verification.
ResultEligible rangeProvider confirms the amount.

What controls the decision

State ruleApply
Open loansVerify
ProviderConfirm
3/3

Ready to compare

Inputs, provider disclosure and repayment fit must agree.

Three gates before you continue

  1. 1Lawful routeProduct allowed in the state?
  2. 2Amount checkWithin the state framework?
  3. 3Database checkOutstanding obligations verified?

Quick comparison

What the product page must answer

DecisionLook forStop if
AvailabilityState eligibility and provider identityThe creditor or license path is unclear
CostAmount received, required fees, APR and total repaymentOnly the payment size is shown
TimingDecision, release and bank-posting stages“Instant” is presented as guaranteed
RepaymentExact dates, method and late-payment consequencesThe payment reopens the same cash gap

Explore this cluster

Choose the route that matches the question

12 focused pages, each with a separate canonical job.

01

Texas Payday Loans: Compare CAB Fees, Lender Role & Total Cost

Compare CAB Fees, Lender Role & Total Cost

Open guide →02

California Payday Loans: Check $300 Face Amount, $255 Net Cash & License

Check $300 Face Amount, $255 Net Cash & License

Open guide →03

Florida Payday Loans: $500 Limit, Fees & 7–31 Day Rules

$500 Limit, Fees & 7–31 Day Rules

Open guide →04

Alabama Payday Loans: $500 Limit, 17.5% Fee & Terms

$500 Limit, 17.5% Fee & Terms

Open guide →05

Louisiana Payday Loans: 16.75% Fee, $700 Deferred-Presentment Limit

16.75% Fee, $700 Deferred-Presentment Limit

Open guide →06

Missouri Payday Loans: $500 Limit, 14–31 Day Term & Renewal Cap

$500 Limit, 14–31 Day Term & Renewal Cap

Open guide →07

Wisconsin Payday Loans: $1,500 / 35% Income Cap & Repayment Plan

$1,500 / 35% Income Cap & Repayment Plan

Open guide →08

South Carolina Payday Loans: $550 Limit, 15% Fee & EPP Rights

$550 Limit, 15% Fee & EPP Rights

Open guide →09

Kentucky Payday Loans: 2026 $600 Limit, $15/$100 Fee & Database

2026 $600 Limit, $15/$100 Fee & Database

Open guide →10

Nevada Payday Loans: 25% Gross-Income Limit & Database Check

25% Gross-Income Limit & Database Check

Open guide →11

Oklahoma Payday Loans: $500 Limit, 12–45 Days & Tiered Fees

$500 Limit, 12–45 Days & Tiered Fees

Open guide →12

Tennessee Payday Loans: $500 Aggregate, 15% Fee & 31-Day Limit

$500 Aggregate, 15% Fee & 31-Day Limit

Open guide →

Ready for the next step?

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