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

> Compare payday loan regulations, APR limits and alternatives across all 50 states and Washington, D.C. Find the rules — and the lowest-cost legal option — in your location.

Источник: https://fenixloans.com/state/

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# State-by-State Payday Loan Laws

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.

## Payday loans available (25)

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.

[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 lending is a legal practice here, but rates and terms are strictly limited. Available offers are fewer; other choices frequently provide better value.

[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)

Traditional single-payment payday loans are unavailable; they are replaced by installment loans with longer durations. We provide installment loan choices alongside other possibilities.

[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)

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.

[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/)