Payday loan rules can vary substantially from one state to another — from having no rate limits to a firm 36% APR maximum that outlaws them entirely. Pick your state from the list to see specific rate caps, loan amount restrictions, oversight bodies, and other more economical choices that are accessible.
This group of states provides licenses to both physical and web-based payday lenders. PayKedge connects people who apply to licensed lenders in these areas — and we also present more affordable options for comparison.
Payday lending is allowed here but comes with strict limits. Availability can be scarce; other loan products frequently provide better value.
Short-term single-payment payday loans are unavailable; they are replaced by installment loans with longer terms. We display these installment choices and other possibilities.
A low maximum APR effectively bans payday lending in this state. PayKedge only presents lawful substitutes — such as PALs, EWA, and nonprofit help — to people who reside here.