# How Much and How Long: Loan Caps Across the States That Allow It | nimblepayday.com

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Источник: https://nimblepayday.com/research/how-much-and-how-long/

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# How Much and How Long: Loan Caps Across the States That Allow It

Where lending is allowed, the ceilings differ by thousands of dollars and by weeks of term.

- **24** — states where lending is allowed
- **4** — states with no loan-size cap
- **1500** — highest capped loan, $
- **300** — lowest capped loan, $
- **17.65** — median fee per $100, $

## The numbers

States where lending is allowed, ranked by the maximum loan size.

| State | Code | Max loan, $ | Max term, days | Fee per $100 / 14 days, $ | Effective APR, %
| Nevada | NV | no cap | 35 | 25.01 | 652
| Utah | UT | no cap | 70 | 23.5 | 613
| Texas | TX | no cap | 180 | 22.1 | 576
| Wyoming | WY | no cap | 30 | 20.0 | 521
| Wisconsin | WI | 1500 | 90 | 22.8 | 595
| Idaho | ID | 1000 | n/a | 25.01 | 652
| Delaware | DE | 1000 | 60 | 20.0 | 521
| Washington | WA | 700 | 45 | 15.0 | 391
| Indiana | IN | 605 | 14 | 14.67 | 382
| Michigan | MI | 600 | 31 | 14.0 | 365
| South Carolina | SC | 550 | 31 | 15.0 | 391
| Missouri | MO | 500 | 31 | 20.5 | 535
| Mississippi | MS | 500 | 30 | 20.0 | 521
| North Dakota | ND | 500 | 60 | 20.0 | 521
| Kentucky | KY | 500 | 60 | 17.65 | 460
| Tennessee | TN | 500 | 31 | 17.65 | 460
| Alabama | AL | 500 | 31 | 17.5 | 456
| Alaska | AK | 500 | 14 | 16.67 | 435
| Kansas | KS | 500 | 30 | 15.0 | 391
| Florida | FL | 500 | 31 | 11.67 | 304

## How we counted

- Caps come from state statute; where a state sets no size limit we mark it as no cap.
- The fee per $100 is the price of borrowing for one 14-day period.

Data updated 2026-07-31. Full dataset: [data.csv](data.csv).

## Use this research

Free to cite, quote and chart — with attribution. Journalists and researchers are welcome to reuse the table and the dataset.

**Citation:** Nimblepayday, “How Much and How Long: Loan Caps Across the States That Allow It”, 2026. Available at [https://nimblepayday.com/research/how-much-and-how-long/](https://nimblepayday.com/research/how-much-and-how-long/)

[Download the PDF report](report.pdf) [Download the data (CSV)](data.csv)