# Payday Loan Laws by State: All 50 States + DC (2026) | SB Loan

> Compare payday loan laws, APR caps and alternatives across all 50 states and Washington, D.C. Find the rules — and the cheapest legal option — in your state.

Источник: https://sbloan.net/state/

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# State Payday Loan Regulations

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.

## Payday loans available (25)

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.

[AlabamaRate cap 456% APR · Max $500Available](/state/alabama/)

[AlaskaRate cap 435% APR · Max $500Available](/state/alaska/)

[CaliforniaRate cap 460% APR · Max $300Available](/state/california/)

[DelawareRate cap 521% APR · Max $1,000Available](/state/delaware/)

[FloridaRate cap 304% APR · Max $1,000Available](/state/florida/)

[IdahoRate cap 652% APR · Max $1,000Available](/state/idaho/)

[IndianaRate cap 391% APR · Max $605Available](/state/indiana/)

[IowaRate cap 337% APR · Max $500Available](/state/iowa/)

[KansasRate cap 391% APR · Max $500Available](/state/kansas/)

[KentuckyRate cap 460% APR · Max $500Available](/state/kentucky/)

[LouisianaRate cap 478% APR · Max $350Available](/state/louisiana/)

[MichiganRate cap 391% APR · Max $600Available](/state/michigan/)

[MississippiRate cap 521% APR · Max $500Available](/state/mississippi/)

[MissouriRate cap 443% APR · Max $500Available](/state/missouri/)

[NevadaRate cap 652% APR · Max No statutory capAvailable](/state/nevada/)

[North DakotaRate cap 487% APR · Max $500Available](/state/north-dakota/)

[OklahomaRate cap 391% APR · Max $500Available](/state/oklahoma/)

[Rhode IslandRate cap 261% APR · Max $500Available](/state/rhode-island/)

[South CarolinaRate cap 391% APR · Max $550Available](/state/south-carolina/)

[TennesseeRate cap 459% APR · Max $500Available](/state/tennessee/)

[TexasNo rate cap (typical ~576% APR) · Max No statutory capAvailable](/state/texas/)

[UtahRate cap 658% APR · Max No statutory capAvailable](/state/utah/)

[WashingtonRate cap 391% APR · Max $700Available](/state/washington/)

[WisconsinRate cap 574% APR · Max $1,500Available](/state/wisconsin/)

[WyomingRate cap 261% APR · Max No statutory capAvailable](/state/wyoming/)

## Restricted / rate-capped (3)

Payday loans are lawful but have strict limits. Availability is restricted; other choices are frequently more affordable.

[MaineRate cap 30% APR · Max $2,000Restricted](/state/maine/)

[MinnesotaRate cap 200% APR · Max $350Restricted](/state/minnesota/)

[OregonRate cap 36% APR · Max $50,000Restricted](/state/oregon/)

## Installment loans only (8)

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.

[ArizonaRate cap 36% APR · Max $2,500Installment only](/state/arizona/)

[ColoradoRate cap 36% APR · Max $500Installment only](/state/colorado/)

[HawaiiRate cap 36% APR · Max $1,500Installment only](/state/hawaii/)

[IllinoisRate cap 36% APR · Max $1,000Installment only](/state/illinois/)

[New HampshireRate cap 36% APR · Max $500Installment only](/state/new-hampshire/)

[New MexicoRate cap 36% APR · Max $10,000Installment only](/state/new-mexico/)

[OhioRate cap 28% APR · Max $1,000Installment only](/state/ohio/)

[VirginiaRate cap 36% APR · Max $2,500Installment only](/state/virginia/)

## Payday loans banned (15)

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.

[Arkansas17% APR cap — alternatives onlyBanned](/state/arkansas/)

[Connecticut12% APR cap — alternatives onlyBanned](/state/connecticut/)

[District of Columbia24% APR cap — alternatives onlyBanned](/state/district-of-columbia/)

[Georgia60% APR cap — alternatives onlyBanned](/state/georgia/)

[Maryland33% APR cap — alternatives onlyBanned](/state/maryland/)

[Massachusetts23% APR cap — alternatives onlyBanned](/state/massachusetts/)

[Montana36% APR cap — alternatives onlyBanned](/state/montana/)

[Nebraska36% APR cap — alternatives onlyBanned](/state/nebraska/)

[New Jersey30% APR cap — alternatives onlyBanned](/state/new-jersey/)

[New York25% APR cap — alternatives onlyBanned](/state/new-york/)

[North Carolina30% APR cap — alternatives onlyBanned](/state/north-carolina/)

[Pennsylvania24% APR cap — alternatives onlyBanned](/state/pennsylvania/)

[South Dakota36% APR cap — alternatives onlyBanned](/state/south-dakota/)

[Vermont18% APR cap — alternatives onlyBanned](/state/vermont/)

[West Virginia31% APR cap — alternatives onlyBanned](/state/west-virginia/)