# Compare $100–$1,000 Loans: State-Licensed, 30-Second Quote | PayKedge > Only state-licensed lenders. View true costs prior to borrowing. Less expensive options appear first. $100–$1,000. Prepared in 30 seconds. Zero obligation. Источник: https://paykedge.com/ --- Live in 23 states · alternatives in 27 # View the true cost. Select the lower-priced. **Most borrowers can save $30 to $70 by comparing rates in advance.** PayKedge shows pricing from lenders licensed in your state alongside lower-cost options, placed upfront instead of buried. Borrow $100–$1,000. See your actual cost in under a minute. Exit whenever you choose. [See my options](/apply/) [Compare alternatives first](/beyond-payday/) PayKedge receives compensation from the lenders we connect you with. We sort choices by price, not by what we earn. 🔒 Secured with AES-256 encryption ⚖️ Only lenders licensed by your state ⚡ Receive a decision within ~90 seconds 🛡️ No fee to compare The total amount you'll pay LIVE $500 Texas: typical fee $22.10 per $100 / 14 days. $100$1,000 In which state? Loan fee $110.50 Effective APR 576% PAL alternative (28% APR, 6 mo) ~$45 Total to repay $610 [See my options →](/apply/) 🔒 No credit check to see offers · Your data remains protected by encryption 🛡️ Secured by SSL 🏛️ Licensed by the state 🔐 AES-256 PII 📃 Compliant with TCPA rules ⚖️ Content reviewed by AFC® · CFP® 0 States covered 0+ Licensed lender partners $0 Median loan amount 0s Average decision time ## Browse your choices with zero obligation. Compare at no charge. Only lenders licensed by your state. We always include alternatives. [Start in 30 seconds](/apply/) View estimated costs without a credit inquiry · 256-bit security · You are free to cancel anytime Browse by state ## The rules change a lot. 14 states plus DC prohibit payday lending entirely (bans or 36% caps). Texas operates under its own CAB/CSO system. Find yours. [Texas CAB](/by-region/texas/) [California $300 cap](/by-region/california/) [New York Banned](/by-region/new-york/) [Florida Allowed](/by-region/florida/) [Ohio Capped](/by-region/ohio/) [Michigan Allowed](/by-region/michigan/) [Georgia Banned](/by-region/georgia/) [Illinois 36% cap](/by-region/illinois/) [Pennsylvania Banned](/by-region/pennsylvania/) [North Carolina Banned](/by-region/north-carolina/) [Tennessee Allowed](/by-region/tennessee/) [Missouri Allowed](/by-region/missouri/) [Nevada Allowed](/by-region/nevada/) [Arizona Banned (installment available)](/by-region/arizona/) [Colorado 36% cap](/by-region/colorado/) [+ 36 more states & DC →](/by-region/) Browse by product ## Pick the loan type that fits. Product costs vary by 22×. We display them — and consistently show what beats them. [Payday loans High cost](/payday-loans/) [Online payday loans High cost](/payday-loans-online/) [Same-day payday loans High cost](/same-day-payday-loans/) [Payday loans near me High cost](/payday-loans-near-me/) [Installment loans Variable](/installment-loans/) [Title loans Highest cost](/title-loans/) [Cash advance High cost](/cash-advance/) [Bad credit loans Variable](/bad-credit-loans/) [Loan alternatives 15 cheaper options](/beyond-payday/) ### Is payday lending legal in your state? 14 states + DC effectively outlaw payday lending (bans or 36% rate caps). Choose your state — we'll explain the regulations in two lines. Pick a state to view what's permitted where you reside. Common questions ## Questions people really ask. Clear answers, confirmed details, reviewed by AFC® and CFP®. What is the actual price of a payday loan? It depends on your state. In Alabama, the maximum fee is 17.5% per $100 — $52.50 on a $300 loan over 14 days (~456% APR). In Colorado, the same loan would be capped at 36% APR (about $4.14). California allows up to $17.65 per $100. Our 50-state Cost Index shows every state's typical cost in dollars, not just percentages. Will applying damage my credit score? Most payday lenders utilize alternative-data sources (banking history, income verification) instead of the three major bureaus, so applying usually does a soft inquiry that doesn't impact your score. If you accept and repay a loan, most payday lenders don't report to bureaus either — meaning it won't build your score, but it also won't harm unless the loan goes to collections. What if I can't repay on time? Contact the lender first. Most states mandate lenders to provide an Extended Payment Plan (EPP) at no extra charge once per year. Don't let the loan default — that initiates collections, NSF fees, and potential litigation. Our [step-by-step guide](/guides/what-if-you-cant-repay/) walks through your rights under the FDCPA and state-specific protections. Are there lower-cost options than a payday loan? Yes, alternatives are widely available. Federal credit unions offer Payday Alternative Loans (PALs) with an APR capped at 28%. Earned Wage Access services such as DailyPay, EarnIn, and Brigit let you get cash for hours you've already worked. Numerous companies and charitable organizations provide hardship assistance grants. Check out our detailed [ranking of 15 lower-cost options](/beyond-payday/). Is PayKedge a lender? No. PayKedge is a lead-generation service. We connect applicants with state-licensed third-party lenders. We don't lend money, don't make credit decisions, and don't charge applicants any fee. Each lender independently sets terms and decides whether to extend credit. What is PayKedge's business model? We're compensated by the lender network — a referral fee on accepted loans. The fee structure is identical across our network, so we lack incentive to direct you to one lender over another based on their payment. We direct you to the lender most likely to approve at the lowest rate for your profile. Why we're different ## We top Google by telling you the real price. Most payday sites hide costs beneath "quick cash" hype. We reverse that. Every page starts with dollar figures, alternatives, and smart-borrowing steps. Google's quality systems notice. Borrowers value it. [See what borrowing really costs](/payday-loans/) #### What every PayKedge page delivers: - ✓ Precise dollar cost, not APR alone - ✓ Your state's rate ceiling and law citation - ✓ Payday Alternative Loans, ranked next to others - ✓ Verified authors with real credentials (AFC®, CFP®, JD) - ✓ "Can't pay it back" explained step by step - ✓ Editorial standards + fact-checking + correction record - ✓ TCPA-split permissions, nothing pre-checked - ✓ MLA rules: 36% MAPR limit enforced automatically How it works ## Three steps. Nothing hidden. We match leads, we don't lend. We confirm your state, indicate MLA eligibility, and show both licensed-lender offers and cheaper paths — always. ~30 seconds 1 #### Share your location State + ZIP only. We verify what's legal in your state *before* requesting any personal details. Banned states see alternatives, not a CTA. ~2 minutes 2 #### Quick basics about you Five short steps. AES-256 encryption at rest, TLS 1.3 in transit. SSN-last-4 only; full SSN never stored in plain text. Separated TCPA consents per channel. ~90 seconds 3 #### Actual choices displayed Offers from state-licensed lenders in your hands immediately, sorted by price. The Payday Alternative Loan from a credit union is always displayed alongside — usually 90% cheaper.