state,state_code,payday_loans,fee_or_rate_cap,max_loan,loan_term,rollovers,wait_days_between_loans,extended_payment_plan,statute,last_verified,page_url
Alabama,AL,Legal,Fees: 17.5% of cash advanced (~456% APR for a 14-day loan),$500,10 to 31 days,1 rollover,1,"Required, conditions apply",Ala. Code § 5-18A-1 et seq.,2026-05-09,https://lenditup.com/payday-loans/alabama/
Alaska,AK,Legal,"$5 origination fee plus $15 per $100 advanced or 15% of the advance, whichever is less (~435% APR on a $300, 14-day advance)",$500,At least 14 days,2 consecutive renewals,,"Required, conditions apply","AS 06.50.410, 06.50.440, 06.50.460, 06.50.470, 06.50.550",2026-10-03,
Arizona,AZ,Not allowed,,,,,,,"A.R.S. § 6-603(A) (consumer lender licence); A.R.S. § 6-632(A) (rate caps); deferred presentment authority expired 30 June 2010 (former § 6-1263, repealed 2021)",2026-05-07,
Arkansas,AR,Not allowed,,,,,,,"Arkansas Constitution Amendment 89, Section 3",2026-05-07,
California,CA,Legal,15% of the face amount of the check (~460% APR on a 14-day advance),$300,Up to 31 days,Not allowed,,,"Cal. Fin. Code § 23035, § 23036",2026-05-09,https://lenditup.com/payday-loans/california/
Colorado,CO,Legal,36%,$500,At least 180 days,1 renewal,30,,Colo. Rev. Stat. § 5-3.1-101 — 5-3.1-123,2026-10-03,
Connecticut,CT,Not allowed,,,,,,,Conn. Gen. Stat. § 36a-558(d)(1),2026-07-23,
Delaware,DE,Legal,No statutory rate cap; rate set by the loan agreement,"$1,000",Up to 59 days,4 rollovers,,,5 Del. C. § 2235A,2026-05-09,
District of Columbia,DC,Not allowed,,,,,,,D.C. Code § 28-3301(a) (general usury ceiling),2026-08-07,
Florida,FL,Legal,Fees: 10% of amount borrowed + $5 verification (~391% APR on a $100 loan repaid in 14 days),$500,7 to 31 days,Not allowed,1,"Required, conditions apply","Fla. Stat. § 560.309, Fla. Stat. §§ 560.402-560.408",2026-08-03,https://lenditup.com/payday-loans/florida/
Georgia,GA,Not allowed,,,,,,,Ga. Code Ann. § 16-17-1 et seq.,2026-05-09,https://lenditup.com/payday-loans/georgia/
Hawaii,HI,Not allowed,,,,,,,"HRS § 478-4 (written-contract caps); HRS § 478-2 (10% legal rate absent a contract); former HRS § 480F-4 repealed (L 2021, c 56, eff. 1 Jan 2022); HRS ch. 480J",2026-10-03,
Idaho,ID,Legal,No statutory rate cap; rate set by the loan agreement,"$1,000",,3 consecutive renewals,,"Required, conditions apply","Idaho Code §§ 28-46-401 to 28-46-415 (Idaho Payday Loan Act), incl. § 28-46-412, § 28-46-413, § 28-46-414",2026-05-06,
Illinois,IL,Legal,36% APR cap (military APR method) on payday loans; Payday Loan Reform Act § 2-5(e-5),,At least 13 days,,7,"Required, conditions apply",815 ILCS 122/2-5 (Payday Loan Reform Act); 815 ILCS 123 (Predatory Loan Prevention Act),2026-10-03,
Indiana,IN,Legal,Tiered fees: 15% first $250; 13% $251-$400; 10% $401-$825 (~391% APR for a 14-day $100 loan),$825,At least 14 days,No (renewals prohibited),7,"Required, conditions apply","IC 37-3-1-2; IC 37-3-2-10; IC 37-3-3-2; IC 37-3-3-5 (formerly IC 24-4.5-7, recodified by P.L. 115-2026 eff. 1 July 2026); 750 IAC 1-1-1",2026-10-02,
Iowa,IA,Legal,"Fee capped against the FACE of the check: $15 on the first $100, $10 per additional $100 (~460% APR on a 14-day $100 check)",$500,Up to 31 days,Not allowed,,,Iowa Code Chapter 533D,2026-05-06,
Kansas,KS,Legal,Fees: 15% of cash advance (~390% APR for a 14-day loan),$500,7 to 30 days,Not allowed,,"Required, conditions apply",KS Stat § 16a-2-404 (2024),2026-05-09,
Kentucky,KY,Legal,Service fee capped at 15% of the check's face amount ($15 per $100); about 460% APR on a 14-day advance; proceeds capped at $600 (from 15 July 2026),$600,14 to 60 days,Not allowed,,Not required,"KRS 286.9-100 (as amended by 2026 Ky. Acts ch. 98, eff. 15 July 2026); KRS 286.9-140",2026-10-03,
Louisiana,LA,Legal,Fees: 16.75% of the face amount of the check (~525% APR on a 14-day term; you receive the face less the fee),$740,Up to 30 days,No — but a new transaction is allowed after paying 25% of the advance plus fees,,"Required, conditions apply","La. R.S. 9:3578.3(3) (30-day hold; $700 CPI-indexed proceeds cap, $740.00 for 2026-09-01..2027-08-31); § 9:3578.4(A)(1) (16.75% of face); § 9:3578.4(D) (annual OFI publication); § 9:3578.4.1 (extended payment plan); § 9:3578.6 (prohibited acts)",2026-10-02,
Maine,ME,Legal,"30% APR cap on the first $2,000 (9-A M.R.S. § 2-401(2)(A)), but a $25 minimum charge applies at $250 and above (§ 2-401(7)); 260.71% APR on a 14-day $250 loan",,,,,,9-A M.R.S. § 2-301; 9-A M.R.S. § 1-301(28-A); § 2-401 (Maine Consumer Credit Code),2026-08-07,
Maryland,MD,Not allowed,,,,,,,"Md. Code, Com. Law § 12-103(a)(3); § 12-306(a)(6)",2026-08-07,
Massachusetts,MA,Not allowed,,,,,,,"Mass. Gen. Laws ch. 140, §§ 96, 100 (Small Loan Act); ch. 271, § 49 (criminal usury)",2026-08-07,
Michigan,MI,Legal,"Tiered service fee: 15% of the first $100 declining to 11% (~391% APR on a 14-day $100 loan, ~330% at $600)",$600,Up to 31 days,Not allowed,,"Required, conditions apply",MCL § 487.2153,2026-10-03,https://lenditup.com/payday-loans/michigan/
Minnesota,MN,Legal,36% (37–50% with mandatory ability-to-repay underwriting),$350,Up to 30 days,Not allowed,,,MN Stat § 47.60 (2025),2026-08-06,
Mississippi,MS,Legal,Tiered fees: $20/$100 (≤$250); $21.95/$100 ($250-500) (~520% APR for a 14-day loan),$500,Up to 30 days,Not allowed,,,Miss. Code Ann. §§ 75-67-501 et seq.,2026-05-09,
Missouri,MO,Legal,"No statutory rate cap, but total interest and fees over the loan and all renewals may not exceed 75% of the initial loan amount",$500,14 to 31 days,6 rollovers,,,"Mo. Rev. Stat. § 408.100, § 408.140, § 408.500, § 408.505",2026-10-03,
Montana,MT,Legal,36%,$300,Up to 31 days,Not allowed,,,Mont. Code Ann. § 31-1-701 et seq.,2026-07-22,
Nebraska,NE,Legal,36% APR (statutory maximum),$500,Up to 34 days,No (prohibited),1,"Required, conditions apply",Neb. Rev. Stat. § 45-918; § 45-919 (Delayed Deposit Services Licensing Act),2026-10-03,
Nevada,NV,Legal,No statutory rate cap; rate set by the loan agreement (NRS Chapter 604A),,Up to 35 days,Extensions allowed up to 60 days beyond the initial term,,"Required, conditions apply","NRS 99.050, NRS Chapter 604A",2026-10-03,
New Hampshire,NH,Legal,36%,$500,7 to 30 days,Not allowed,60,,N.H. Rev. Stat. § 399-A:17,2026-07-22,
New Jersey,NJ,Not allowed,,,,,,,N.J.S.A. 2C:21-19 (criminal usury),2026-08-07,
New Mexico,NM,Not allowed,,,,,,,N.M. Stat. § 58-15-17,2026-07-23,
New York,NY,Not allowed,,,,,,,N.Y. Penal Law § 190.40 (criminal usury); N.Y. Banking Law § 14-a (civil usury rate),2026-05-07,https://lenditup.com/payday-loans/new-york/
North Carolina,NC,Not allowed,,,,,,,"N.C.G.S. § 24-1.1(c) (floating contract rate); § 53-166 (licence required below $25,000)",2026-08-07,
North Dakota,ND,Legal,20% of the amount advanced (~521% APR on a 14-day loan),$500,Up to 60 days,1 rollover,3,Not required,N.D. Cent. Code § 13-08-02; § 13-08-12,2026-05-06,
Ohio,OH,Legal,28% interest plus a monthly maintenance fee (lesser of 10% or $30) and a one-time 2% origination fee on loans of $500 or more; total fees and charges capped at 60% of the loan,"$1,000",91 days to 1 year,Refinancing allowed at no more than 28% and without the maintenance fee,,,Ohio Rev. Code § 1321.35 to § 1321.48,2026-10-03,
Oklahoma,OK,Legal,"$15 per $100 advanced up to $300, plus $10 per $100 above $300 (~391% APR on a $100, 14-day loan)",$500,12 to 45 days,Not allowed,15,"Required, conditions apply","59 O.S. §§ 3101-3119 (Deferred Deposit Lending Act), incl. § 3106, § 3108, § 3109",2026-10-03,
Oregon,OR,Legal,"36% APR plus a one-time origination fee of $10 per $100, max $30",,31 to 60 days,2 rollovers,7,,"ORS 725A.010, ORS 725A.064",2026-10-03,
Pennsylvania,PA,Not allowed,,,,,,,7 P.S. § 6213(E) (Consumer Discount Company Act licensee rate); 41 P.S. § 201 (legal rate of interest),2026-08-07,
Rhode Island,RI,Legal,10% of the amount advanced (~281% APR over the 13-day statutory minimum term),$500,At least 13 days,1 rollover (until 31 Dec 2026),,,"R.I. Gen. Laws § 19-14.4-5.1, R.I. Gen. Laws § 19-14.4-4 (Check Cashing — deferred deposit); P.L. 2025, ch. 373 and ch. 391 (repeal effective 1 January 2027)",2026-10-03,
South Carolina,SC,Legal,391% (computed),$550,Up to 31 days,Not allowed,1,"Required, conditions apply",S.C. Code Ann. § 34-39-110 et seq.,2026-07-31,https://lenditup.com/payday-loans/south-carolina/
South Dakota,SD,Legal,"36% APR all-in cap (S.D. Codified Laws § 54-4-44); the ceiling includes every fee and ancillary charge, and a payday loan may not exceed $500 in principal (§ 54-4-66)",$500,,4 rollovers,,,"S.D. Codified Laws § 54-4-44 (licence and 36% all-in cap); § 54-4-66 (maximum payday loan of $500); § 54-4-65 (renewal, rollover or flip limited to four)",2026-08-07,
Tennessee,TN,Legal,460% (computed),$500,Up to 31 days,Not allowed,,,Tenn. Code Ann. § 45-17-112,2026-08-06,https://lenditup.com/payday-loans/tennessee/
Texas,TX,Legal,No statutory cap on the credit access business fee; set by the loan agreement,,,,,,Tex. Fin. Code § 393.601-393.628,2026-07-31,https://lenditup.com/payday-loans/texas/
Utah,UT,Legal,No statutory rate cap; rate set by the loan agreement (Utah Code § 7-23-401),,Up to 70 days,"Allowed, but not beyond 10 weeks from the loan date",,"Required, conditions apply","Utah Code § 15-1-1, Utah Code § 7-23-101 et seq.",2026-05-09,
Vermont,VT,Not allowed,,,,,,,9 V.S.A. § 41a,2026-08-06,
Virginia,VA,Legal,"36% interest plus a monthly maintenance fee (lesser of 8% of the loan or $25); total fees capped at 50% of the loan ($1,500 or less) or 60% (above)","$2,500",120 days to 2 years,Refinancing into a new short-term loan allowed,,,"Va. Code Ann. § 6.2-1800 et seq. (incl. § 6.2-1816.1, § 6.2-1817, § 6.2-1818.1)",2026-10-03,
Washington,WA,Legal,"15% of the first $500 of principal plus 10% above $500 (~391% APR on a $100, 14-day loan)",$700,Up to 45 days,Not allowed,,"Required, conditions apply",Wash. Rev. Code Ann 31.45.010 et seq.,2026-10-03,https://lenditup.com/payday-loans/washington/
West Virginia,WV,Not allowed,,,,,,,"W. Va. Code § 32A-3-1(b),(e) (express prohibition on holding a check for later deposit to make a loan); § 46A-4-107 (consumer loan rate cap)",2026-08-07,
Wisconsin,WI,Legal,No statutory rate cap before maturity; rate set by the loan agreement (Wis. Stat. § 138.14),"$1,500",Up to 90 days,1 renewal (repaying with one subsequent loan),1,"Required, conditions apply","Wis. Stat. § 138.14 (2023-24 Wis. Stats., updated through Oct. 1, 2026)",2026-10-03,
Wyoming,WY,Legal,"Greater of $30 or 20% per month (~353% APR on a small one-month loan, ~235% at $200 or more)",,Up to 31 days,Not allowed,,"Required, conditions apply",Wyo. Stat. § 40-14-362 to § 40-14-367,2026-05-09,