Payday loan laws by state
Payday loan laws by state
Pick a state to see whether payday and car title loans are allowed there, the limits it sets, and where to check a lender's license. Each rule links to the state's own source.
Pick your state
Your state's rules appear here
Choose a state to see whether payday and car title loans are allowed.
Every state at a glance
| State | Payday loans | Car title loans |
|---|---|---|
| Alabama | Allowed | Not confirmed yet |
| Alaska | Allowed | Not confirmed yet |
| Arizona | Not allowed | Allowed |
| Arkansas | Not allowed | Not allowed |
| California | Allowed | Not confirmed yet |
| Colorado | Not allowed | Not confirmed yet |
| Connecticut | Not allowed | Not allowed |
| Delaware | Allowed | Allowed |
| District of Columbia | Not allowed | Not allowed |
| Florida | Allowed | Not confirmed yet |
| Georgia | Not allowed | Allowed |
| Hawaii | Not allowed | Not confirmed yet |
| Idaho | Not confirmed yet | Not confirmed yet |
| Illinois | Not allowed | Not allowed |
| Indiana | Allowed | Not confirmed yet |
| Iowa | Allowed | Not confirmed yet |
| Kansas | Allowed | Allowed |
| Kentucky | Allowed | Not confirmed yet |
| Louisiana | Allowed | Not confirmed yet |
| Maine | Not confirmed yet | Not confirmed yet |
| Maryland | Not allowed | Not confirmed yet |
| Massachusetts | Not allowed | Not allowed |
| Michigan | Not confirmed yet | Not confirmed yet |
| Minnesota | Not allowed | Not confirmed yet |
| Mississippi | Allowed | Allowed |
| Missouri | Allowed | Allowed |
| Montana | Not allowed | Not allowed |
| Nebraska | Not allowed | Not confirmed yet |
| Nevada | Allowed | Allowed |
| New Hampshire | Not allowed | Not confirmed yet |
| New Jersey | Not allowed | Not allowed |
| New Mexico | Not confirmed yet | Not confirmed yet |
| New York | Not allowed | Not confirmed yet |
| North Carolina | Not allowed | Not allowed |
| North Dakota | Allowed | Not allowed |
| Ohio | Not confirmed yet | Not confirmed yet |
| Oklahoma | Not confirmed yet | Not confirmed yet |
| Oregon | Allowed | Allowed |
| Pennsylvania | Not allowed | Not confirmed yet |
| Rhode Island | Not confirmed yet | Not confirmed yet |
| South Carolina | Allowed | Allowed |
| South Dakota | Not allowed | Not allowed |
| Tennessee | Allowed | Allowed |
| Texas | Allowed | Allowed |
| Utah | Allowed | Allowed |
| Vermont | Not allowed | Not allowed |
| Virginia | Not confirmed yet | Allowed |
| Washington | Allowed | Not confirmed yet |
| West Virginia | Not allowed | Not confirmed yet |
| Wisconsin | Allowed | Allowed |
| Wyoming | Allowed | Not confirmed yet |
How this works
- Each state's status comes from its financial regulator, legislature or attorney general, and we quote the wording it rests on.
- Not allowed covers states that ban these loans or cap their rates low enough to rule them out.
- A state shows Not confirmed yet until its rules are checked against an official source.
- Each state is re-checked at least every 180 days. Laws change, so confirm with the regulator before you borrow.
- In every state, the Military Lending Act limits payday and car title loans for covered service members to 36%.
Sources
- CFPB: what is a payday loan?
- FTC: what to know about payday and car title loans
- 32 CFR §232.4: Military Lending Act rate limit (Cornell LII)
Awaiting expert reviewEstimates only; not financial, tax or legal advice.
Common questions
Are payday loans legal in every state?
No. Some states allow them with limits on the amount, fee and term; others don't allow them. Pick your state to see its rules and the source they come from.
How can I check if a payday lender is licensed?
Search the lender on your state financial regulator's website. Each state's card links to the regulator, and to its license lookup where there is one.
Do the rules protect service members?
Yes. The Military Lending Act limits the rate on payday loans, car title loans and many other kinds of credit for covered service members to 36%.
Is the information I enter saved or sent anywhere?
No. What you type stays on this page. It isn't saved or sent anywhere, and it clears when you leave or reload the page.