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Home›Decision tool›Payday Loan State Limit Checker: 51 Jurisdictions

Decision tool

Payday Loan State Limit Checker: 51 Jurisdictions

Use Payday Loan State Limit Checker: 51 Jurisdictions to evaluate inputs, estimated cost, timing or affordability and verify provider-controlled terms.

Check available options →Read the guide
✓Inputs✓Comparison✓Next step
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.

State routing matrix

JurisdictionProduct route/statusOwner URL
AlabamaREGULATED PAYDAY / DEFERRED PRESENTMENT`/states/alabama/payday-loans/`
AlaskaREGULATED PAYDAY / DEFERRED DEPOSIT`/states/alaska/payday-loans/`
ArizonaNO PAYDAY LICENSE; LICENSED CONSUMER-LOAN SUBSTITUTE`/states/arizona/payday-loans/`
ArkansasPAYDAY PROHIBITED / ALTERNATIVES ONLY`/states/arkansas/payday-loans/`
CaliforniaREGULATED PAYDAY / STATE-SPECIFIC NET-PROCEEDS MODEL`/states/california/payday-loans/`
Colorado36% PAYDAY FRAMEWORK; CURRENT SUPPLY EVIDENCE-GATED`/states/colorado/payday-loans/`
ConnecticutLICENSED SMALL-LOAN SUBSTITUTE ≤ STATUTORY APR CAP`/states/connecticut/payday-loans/`
DelawareREGULATED SHORT-TERM CONSUMER LOAN`/states/delaware/payday-loans/`
District of Columbia24% CAP / LICENSED MONEY-LENDER SUBSTITUTE`/states/district-of-columbia/payday-loans/`
FloridaREGULATED PAYDAY / DATABASE`/states/florida/payday-loans/`
GeorgiaPAYDAY PROHIBITED / LICENSED INSTALLMENT SUBSTITUTE`/states/georgia/payday-loans/`
HawaiiPAYDAY PROHIBITED / SMALL-DOLLAR INSTALLMENT SUBSTITUTE`/states/hawaii/payday-loans/`
IdahoREGULATED PAYDAY / INCOME CAP`/states/idaho/payday-loans/`
Illinois36% PLPA CAP / CAPPED LAWFUL ROUTE`/states/illinois/payday-loans/`
IndianaREGULATED SMALL LOAN / TIERED FEES`/states/indiana/payday-loans/`
IowaREGULATED DELAYED-DEPOSIT PRODUCT`/states/iowa/payday-loans/`
KansasREGULATED PAYDAY / FREQUENCY RULES`/states/kansas/payday-loans/`
KentuckyREGULATED DEFERRED DEPOSIT / 2026 RULES`/states/kentucky/payday-loans/`
LouisianaREGULATED DEFERRED PRESENTMENT / SMALL-LOAN BRANCH`/states/louisiana/payday-loans/`
MaineSUPERVISED CONSUMER-LOAN SUBSTITUTE`/states/maine/payday-loans/`
MarylandLICENSED CONSUMER-LOAN SUBSTITUTE`/states/maryland/payday-loans/`
MassachusettsHIGH-COST PAYDAY PROHIBITED / LICENSED SMALL-LOAN SUBSTITUTE`/states/massachusetts/payday-loans/`
MichiganREGULATED DEFERRED PRESENTMENT / TIERED FEES`/states/michigan/payday-loans/`
MinnesotaREGULATED CONSUMER SMALL LOAN / 50% APR CAP`/states/minnesota/payday-loans/`
MississippiREGULATED DELAYED-DEPOSIT PRODUCT / $250 BRANCH`/states/mississippi/payday-loans/`
MissouriREGULATED PAYDAY / RENEWAL COST CEILING`/states/missouri/payday-loans/`
MontanaNO CURRENT LICENSED PAYDAY SUPPLY / ALTERNATIVES`/states/montana/payday-loans/`
Nebraska36% APR CAPPED DELAYED-DEPOSIT PRODUCT`/states/nebraska/payday-loans/`
NevadaREGULATED DEFERRED-DEPOSIT / HIGH-INTEREST BRANCH`/states/nevada/payday-loans/`
New Hampshire36% APR CAPPED PAYDAY PRODUCT`/states/new-hampshire/payday-loans/`
New JerseyPAYDAY PROHIBITED / LAWFUL CREDIT ALTERNATIVES`/states/new-jersey/payday-loans/`
New MexicoPAYDAY SUBSTITUTE / 36% NM-APR SMALL LOAN`/states/new-mexico/payday-loans/`
New YorkPAYDAY PROHIBITED / ALTERNATIVES ONLY`/states/new-york/payday-loans/`
North CarolinaPAYDAY PROHIBITED / ALTERNATIVES ONLY`/states/north-carolina/payday-loans/`
North DakotaREGULATED DEFERRED PRESENTMENT`/states/north-dakota/payday-loans/`
OhioSHORT-TERM INSTALLMENT SUBSTITUTE / 28% INTEREST + FEES`/states/ohio/payday-loans/`
OklahomaREGULATED DEFERRED DEPOSIT / TIERED FEES`/states/oklahoma/payday-loans/`
OregonREGULATED PAYDAY / 36% + CAPPED ORIGINATION`/states/oregon/payday-loans/`
PennsylvaniaLICENSED CONSUMER DISCOUNT / CONSUMER-LOAN SUBSTITUTE`/states/pennsylvania/payday-loans/`
Rhode IslandREGULATED THROUGH 2026-12-31; RECHECK 2027`/states/rhode-island/payday-loans/`
South CarolinaREGULATED DEFERRED PRESENTMENT / DATABASE + EPP`/states/south-carolina/payday-loans/`
South Dakota36% ALL-IN CAP / LICENSED MONEY-LENDER ROUTE`/states/south-dakota/payday-loans/`
TennesseeREGULATED DEFERRED PRESENTMENT`/states/tennessee/payday-loans/`
TexasCAB + THIRD-PARTY LENDER MODEL`/states/texas/payday-loans/`
UtahREGULATED DEFERRED DEPOSIT / POSTED FEES + 10-WEEK LIMIT`/states/utah/payday-loans/`
VermontLOW-RATE REGULATED CONSUMER-LOAN SUBSTITUTE`/states/vermont/payday-loans/`
VirginiaAMORTIZING SHORT-TERM LOAN SUBSTITUTE`/states/virginia/payday-loans/`
WashingtonREGULATED SMALL LOAN / INCOME + ANNUAL COUNT + EPP`/states/washington/payday-loans/`
West VirginiaTRADITIONAL PAYDAY GENERALLY PROHIBITED / REGULATED-LENDER SUBSTITUTE`/states/west-virginia/payday-loans/`
WisconsinREGULATED PAYDAY / INCOME CAP + REPAYMENT PLAN`/states/wisconsin/payday-loans/`
WyomingREGULATED POST-DATED CHECK LOAN`/states/wyoming/payday-loans/`

Interactive decision tool

Short-term cost calculator

Convert a finance charge into total due and annualized APR.

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

Provider terms and current state requirements control any offer.

Decision infographic

Translate a short-term fee into full cost

Dollar fee, total due and repayment date belong together.

ReceivePrincipalCash delivered to you.
AddFinance chargeEvery required fee.
RepayTotal dueAt the stated date.

What controls the decision

AmountFix
FeeAdd
Due dateTest
3/3

Ready to compare

Inputs, provider disclosure and repayment fit must agree.

Three gates before you continue

  1. 1AmountBorrow only the actual gap?
  2. 2All-in costFee and APR visible?
  3. 3Exit pathTotal due fits the pay cycle?

Continue the guide

Apply the result to this decision

Use the remaining checks before moving to a provider form.

Indexation / freshness gate

  • A state marked prohibited or no-current-supply never receives a fabricated payday provider card.
  • A statutory maximum is not converted into a recommended borrowing amount.
  • A future effective-date change (for example Rhode Island 2027) expires the cached state result and forces review.
  • Conflicting or stale primary sources suppress the exact legal claim until editorial/legal review.

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

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6 focused pages, each with a separate canonical job.

01

Payday Loan Calculator: State Cost, Total Due & Rollover Scenarios

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Open guide →02

Loan Comparison Calculator: Normalize APR, Fees & Total Repayment

Normalize APR, Fees & Total Repayment

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Loan Affordability Calculator: Start With Residual Cash, Not Approval

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Loan Funding Time Checker: Estimate Decision, Release & Bank Posting

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Open guide →05

Loan Eligibility Checker: Check Readiness Without Predicting Approval

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Open guide →06

Loan Repayment Calendar: Forecast Paydays, Bills & Loan Payments

Forecast Paydays, Bills & Loan Payments

Open guide →

Ready for the next step?

Take the comparison with you.

The application page is separate from the guide and is operated with a third-party form provider.

Continue to the form →
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