Every fact on our state law pages comes from the state's own statute or regulator. A state is published only after its rules have been checked against the current statute text, and each page shows the date of that check.
Where the data comes from
For each state we read the statute that governs title lending, or, where there is none, the consumer-loan law that applies to a car-secured loan. We record the rules in a structured table: the rate cap, loan amount and term limits, renewal rules, repossession and notice rules, what a lender can collect after a repossession, licensing, and the statute citation with a link to the official text.
Payday loans get the same treatment from each state's payday or deferred-deposit statute: whether they are allowed, the fee or rate cap, the largest loan, the term, rollovers, the wait between loans, payment plans and the state loan database. Where payday loans are not allowed, we record the law that rules them out. See the payday table and its CSV.
How a state gets published
- The state's rules are researched from the statute and regulator publications.
- Each value is checked against the current statute text.
- Only a state that passes that check is marked ready to publish. Today that is 44 states and DC.
- The pages, the table and the CSV are rebuilt from that table, so they always match one another.
What a blank cell means
If the law sets no rule on a point, or we have not confirmed one, we leave it blank. We never fill a gap with an estimate, and we do not print values we could not verify.
Cost examples
Worked examples apply the state's rate rules to a sample loan and show the APR. They describe what the law allows. A lender's actual offer can differ and other permitted fees can be added; the lender's written disclosure shows the real cost.
Updates and corrections
We re-check a state when we learn that its law has changed, and each page shows its latest verification date. If you think something is wrong, email info@lenditup.com with the page address. Read our editorial policy and how we verify for more.
This data describes the law and is not legal advice. Lenditup is not a lender.