# Payday Loans by State: All 50 States + DC (2026) | MeridianWallet

> 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://nimblepayday.com/state-guides/

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# Payday Loans by State

Payday lending rules change at every state line — from no cap at all to a 36% APR ceiling that bans the product outright. Pick your state below for the exact rate cap, loan limits, licensing authority and the lower-cost alternatives available to you.

## Payday loans available (25)

These states license storefront and/or online payday lenders. MeridianWallet matches applicants with state-licensed lenders here — and always shows lower-cost alternatives alongside.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

## Restricted / rate-capped (3)

Payday loans are legal but tightly capped. Offers are limited; alternatives often beat them on cost.

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

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

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

## Installment loans only (8)

Single-payment payday loans are not offered; longer-term installment loans take their place. We show installment options and alternatives.

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

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

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

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

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

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

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

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

## Payday loans banned (15)

Payday lending is effectively prohibited by a low APR cap. MeridianWallet shows only legal alternatives — PALs, EWA, nonprofit aid — for residents here.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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