This table compares the payday loan rules in 50 states and DC. Payday loans are not allowed in 15 of them. In the rest, state law caps the fee or rate and usually the loan amount and term. Linked states have a full page with the statute.
| State | Payday loans | Fee or rate cap | Largest loan | Loan term | Rollovers | Days between loans | Payment plan | Last verified |
|---|---|---|---|---|---|---|---|---|
| Alabama | 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 | 2026-05-09 |
| Alaska | 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 | 2026-10-03 | |
| Arizona | Not allowed | 2026-05-07 | ||||||
| Arkansas | Not allowed | 2026-05-07 | ||||||
| California | Legal | 15% of the face amount of the check (~460% APR on a 14-day advance) | $300 | Up to 31 days | Not allowed | 2026-05-09 | ||
| Colorado | Legal | 36% | $500 | At least 180 days | 1 renewal | 30 | 2026-10-03 | |
| Connecticut | Not allowed | 2026-07-23 | ||||||
| Delaware | Legal | No statutory rate cap; rate set by the loan agreement | $1,000 | Up to 59 days | 4 rollovers | 2026-05-09 | ||
| District of Columbia | Not allowed | 2026-08-07 | ||||||
| Florida | 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 | 2026-08-03 |
| Georgia | Not allowed | 2026-05-09 | ||||||
| Hawaii | Not allowed | 2026-10-03 | ||||||
| Idaho | Legal | No statutory rate cap; rate set by the loan agreement | $1,000 | 3 consecutive renewals | Required, conditions apply | 2026-05-06 | ||
| Illinois | 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 | 2026-10-03 | ||
| Indiana | 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 | 2026-10-02 |
| Iowa | 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 | 2026-05-06 | ||
| Kansas | Legal | Fees: 15% of cash advance (~390% APR for a 14-day loan) | $500 | 7 to 30 days | Not allowed | Required, conditions apply | 2026-05-09 | |
| Kentucky | 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 | 2026-10-03 | |
| Louisiana | 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 | 2026-10-02 | |
| Maine | 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 | 2026-08-07 | |||||
| Maryland | Not allowed | 2026-08-07 | ||||||
| Massachusetts | Not allowed | 2026-08-07 | ||||||
| Michigan | 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 | 2026-10-03 | |
| Minnesota | Legal | 36% (37–50% with mandatory ability-to-repay underwriting) | $350 | Up to 30 days | Not allowed | 2026-08-06 | ||
| Mississippi | 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 | 2026-05-09 | ||
| Missouri | 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 | 2026-10-03 | ||
| Montana | Legal | 36% | $300 | Up to 31 days | Not allowed | 2026-07-22 | ||
| Nebraska | Legal | 36% APR (statutory maximum) | $500 | Up to 34 days | No (prohibited) | 1 | Required, conditions apply | 2026-10-03 |
| Nevada | 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 | 2026-10-03 | ||
| New Hampshire | Legal | 36% | $500 | 7 to 30 days | Not allowed | 60 | 2026-07-22 | |
| New Jersey | Not allowed | 2026-08-07 | ||||||
| New Mexico | Not allowed | 2026-07-23 | ||||||
| New York | Not allowed | 2026-05-07 | ||||||
| North Carolina | Not allowed | 2026-08-07 | ||||||
| North Dakota | Legal | 20% of the amount advanced (~521% APR on a 14-day loan) | $500 | Up to 60 days | 1 rollover | 3 | Not required | 2026-05-06 |
| Ohio | 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 | 2026-10-03 | ||
| Oklahoma | 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 | 2026-10-03 |
| Oregon | Legal | 36% APR plus a one-time origination fee of $10 per $100, max $30 | 31 to 60 days | 2 rollovers | 7 | 2026-10-03 | ||
| Pennsylvania | Not allowed | 2026-08-07 | ||||||
| Rhode Island | 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) | 2026-10-03 | ||
| South Carolina | Legal | 391% (computed) | $550 | Up to 31 days | Not allowed | 1 | Required, conditions apply | 2026-07-31 |
| South Dakota | 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 | 2026-08-07 | |||
| Tennessee | Legal | 460% (computed) | $500 | Up to 31 days | Not allowed | 2026-08-06 | ||
| Texas | Legal | No statutory cap on the credit access business fee; set by the loan agreement | 2026-07-31 | |||||
| Utah | 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 | 2026-05-09 | ||
| Vermont | Not allowed | 2026-08-06 | ||||||
| Virginia | 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 | 2026-10-03 | ||
| Washington | 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 | 2026-10-03 | |
| West Virginia | Not allowed | 2026-08-07 | ||||||
| Wisconsin | 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 | 2026-10-03 |
| Wyoming | 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 | 2026-05-09 |
A blank cell means the statute sets no rule on that point, or we have not confirmed one. We leave it blank rather than guess. Where payday loans are not allowed, the other columns are blank. "Payment plan" means the lender must offer an extended payment plan if you can't repay on time; "conditions apply" means the law limits who qualifies or how to ask. "Largest loan" and "Loan term" are for a single-payment payday loan. Some states also allow an installment version with its own limits; where we have a page for the state, it shows them.
Download and reuse
Download the table as CSV. You are welcome to use it; please link to this page as the source. Read how we build this table, and email info@lenditup.com if you spot an error. Title loans have their own state table.
This table describes the law, not any lender's offer, and it is not legal advice. Lenditup is not a lender. Most recent check: October 3, 2026.