Regulations on payday loans can differ dramatically with each state line, ranging from no rules at all to a 36% APR maximum that effectively bans them. Pick your state from the list for accurate rate and amount caps, governing bodies, and other lower-cost options you can access.
In these areas, shopfront and internet-based payday lenders receive state licenses. Fenix Loans connects people here with lenders that are licensed in their state — and also presents more affordable options for comparison.
Payday lending is a legal practice here, but rates and terms are strictly limited. Available offers are fewer; other choices frequently provide better value.
Traditional single-payment payday loans are unavailable; they are replaced by installment loans with longer durations. We provide installment loan choices alongside other possibilities.
An extremely low APR ceiling effectively makes payday lending illegal here. For residents of these states, Fenix Loans displays only permitted solutions — such as PALs, EWA, and nonprofit assistance programs.