Laws for short-term loans differ a great deal between states — with everything from no rate limits to a firm 36% APR cap that effectively stops payday lending completely. Choose your state to see exact limits on rates and loan sizes, oversight bodies, and other affordable options available to you.
In these states, storefront and online payday lenders are licensed. SB Loan connects borrowers with lenders holding a state license in these areas — while also presenting lower-cost options for comparison.
Payday loans are lawful but have strict limits. Availability is restricted; other choices are frequently more affordable.
Single-payment payday loans aren't available here; they are substituted by installment loans with longer terms. We display these installment products alongside other solutions.
A low APR cap effectively prevents payday lending. For residents of this state, SB Loan displays only lawful alternatives — such as PALs, Earned Wage Access, and nonprofit assistance.