Loan Rates & Terms
Find out the interest rates, maximum amounts and payday loan terms for each US state.
Payday Loan Rates & Terms by State
Please select your state
Alabama
Payday Loan Terms in AL
Payday loans are legal in Alabama.
$500
Max loan amount
31 Days
Max loan term
456%
Max APR
17.5%
Max finance charge
Arkansas
Payday Loan Terms in AR
Payday loans are prohibited in Arkansas. Consider small loans (up to 17% APR) or installment loans instead
Arizona
Payday Loan Terms in AZ
Payday loans are prohibited in Arizona. Consider small loans (up to 36% APR + 5% fee) or installment loans instead.
Alaska
Payday Loan Terms in AK
Payday loans are legal in Alaska.
$500
Max loan amount
14 Days
Minimum loan term
520%
Max APR
$5+15%
Max finance charge
California
Payday Loan Terms in CA
Payday loans are legal in California.
$300
Max loan amount
31 Days
Max loan term
459%
Max APR
15%
Max finance charge
Colorado
Payday Loan Terms in CO
Payday loans are prohibited in Colorado. Consider small loans with minimum term of 6 months and APR of 36% of installment loans.
Delaware
Payday Loan Terms in DE
Payday loans are legal in Delaware.
$1000
Max loan amount
60 Days
Max loan term
521%
Max APR
N/A
Max finance charge
District of Columbia
Payday Loan Terms in DC
Payday loans are prohibited in District of Columbia. Consider small loans with 24% APR or installment loans instead.
Florida
Payday Loan Terms in FL
Payday loans are legal in Florida.
$500
Max loan amount
7-31 Days
Max loan term
419%
Max APR
$5+10%
Max finance charge
Hawaii
Payday Loan Terms in HI
Payday loans are legal in Hawaii.
$500
Max loan amount
32 Days
Max loan term
459%
Max APR
15%
Max finance charge
Idaho
Payday Loan Terms in ID
Payday loans are legal in Idaho.
$1000
Max loan amount
N/A
Max loan term
N/A
Max APR
N/A
Max finance charge
Illinois
Payday Loan Terms in IL
Payday loans are legal in Illinois.
$1000
Max loan amount
45 Days
Max loan term
403%
Max APR
$1+15.5%
Max finance charge
Indiana
Payday Loan Terms in IN
Payday loans are legal in Indiana.
$605
Max loan amount
14 Days
Minimum loan term
390%
Max APR
15%
Max finance charge
Iowa
Payday Loan Terms in IA
Payday loans are legal in Iowa.
$500
Max loan amount
31 Days
Max loan term
433%
Max APR
15%
Max finance charge
Kansas
Payday Loan Terms in KS
Payday loans are legal in Kansas.
$500
Max loan amount
30 Days
Max loan term
390%
Max APR
15%
Max finance charge
Kentucky
Payday Loan Terms in KY
Payday loans are legal in Kentucky.
$500
Max loan amount
60 Days
Max loan term
459%
Max APR
$1+15%
Max finance charge
Louisiana
Payday Loan Terms in LA
Payday loans are legal in Louisiana.
$360
Max loan amount
60 Days
Max loan term
780%
Max APR
$10+16.75%
Max finance charge
Maine
Payday Loan Terms in ME
Payday loans are legal in Maine.
$2000
Max loan amount
N/A
Max loan term
30%+
Max APR
N/A
Max finance charge
Michigan
Payday Loan Terms in MI
Payday loans are legal in Michigan.
$600
Max loan amount
31 Days
Max loan term
390%
Max APR
15%
Max finance charge
Minnesota
Payday Loan Terms in MN
Payday loans are legal in Minnesota.
$350
Max loan amount
30 Days
Max loan term
390%
Max APR
15%
Max finance charge
Mississippi
Payday Loan Terms in MS
Payday loans are legal in Mississippi.
$500
Max loan amount
30 Days
Max loan term
520%
Max APR
20%
Max finance charge
Missouri
Payday Loan Terms in MO
Payday loans are legal in Missouri.
$500
Max loan amount
31 Days
Max loan term
1950%
Max APR
75%
Max finance charge
Montana
Payday Loan Terms in MT
Payday loans are legal in Montana.
$300
Max loan amount
31 Days
Max loan term
36%
Max APR
1.39%
Max finance charge
Nebraska
Payday Loan Terms in NE
Payday loans are legal in Nebraska.
$500
Max loan amount
34 Days
Max loan term
459%
Max APR
17.65%
Max finance charge
Nevada
Payday Loan Terms in NV
Payday loans are legal in Nevada.
25% of
Max loan amount
35 Days
Max loan term
456%
Max APR
17.5%
Max finance charge
New Mexico
Payday Loan Terms in NM
Payday loans are prohibited in New Mexico. Consider other types of loans instead.
North Carolina
Payday Loan Terms in NC
Payday loans are prohibited in North Carolina. Consider installment loans instead.
North Dakota
Payday Loan Terms in ND
Payday loans are legal in North Dakota.
$500
Max loan amount
60 Days
Max loan term
520%
Max APR
20%
Max finance charge
Ohio
Payday Loan Terms in OH
Payday loans are legal in Ohio.
$100
Max loan amount
1 Year
Max loan term
28%
Max APR
N/A
Max finance charge
Oklahoma
Payday Loan Terms in OK
Payday loans are legal in Oklahoma.
$500
Max loan amount
45 Days
Max loan term
390%
Max APR
15%
Max finance charge
Oregon
Payday Loan Terms in OR
Payday loans are legal in Oregon.
$50000
Max loan amount
60 Days
Max loan term
36%
Max APR
154%
Max finance charge
Rhode Island
Payday Loan Terms in RI
Payday loans are legal in Rhode Island.
$500
Max loan amount
13 Days
Max loan term
260%
Max APR
10%
Max finance charge
South Carolina
Payday Loan Terms in SC
Payday loans are legal in South Carolina.
$550
Max loan amount
31 Days
Max loan term
390%
Max APR
15%
Max finance charge
South Dakota
Payday Loan Terms in SD
Payday loans are legal in South Dakota.
$500
Max loan amount
N/A
Max loan term
36%
Max APR
1.39%
Max finance charge
Tennessee
Payday Loan Terms in TN
Payday loans are legal in Tennessee.
$500
Max loan amount
31 Days
Max loan term
459%
Max APR
17.65%
Max finance charge
Texas
Payday Loan Terms in TX
Payday loans are legal in Texas.
N/A
Max loan amount
180 Days
Max loan term
No cap
Max APR
No cap
Max finance charge
Utah
Payday Loan Terms in UT
Payday loans are legal in Utah.
No Limit
Max loan amount
10 Weeks
Max loan term
No Limit
Max APR
No Limit
Max finance charge
Virginia
Payday Loan Terms in VA
Payday loans are legal in Virginia.
$500
Max loan amount
30 Days
Max loan term
687.76%
Max APR
36%+
Max finance charge
Washington
Payday Loan Terms in WA
Payday loans are legal in Washington.
$700
Max loan amount
45 Days
Max loan term
390%
Max APR
15%
Max finance charge
Wisconsin
Payday Loan Terms in WI
Payday loans are legal in Wisconsin.
$1500
Max loan amount
90 Days
Max loan term
No Limit
Max APR
No Limit
Max finance charge
Wyoming
Payday Loan Terms in WY
Payday loans are legal in Wyoming.
No Limit
Max loan amount
31 Days
Max loan term
780%
Max APR
30%
Max finance charge
based on reviews on 
