38 legal states · caps from $300 to $1,000

Payday loans & cash advances, priced by the law of your state

Every state writes its own payday rules — the cap, the fee, the term. Find your state in the table, see the legal numbers, then check offers from licensed lenders.

One fee, one repayment on your next payday
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Payday loan rules by state

The legal ceiling every licensed lender in the state must respect — online and storefront alike.

State	Max loan	Max fee	Term	Cities covered
Alabama (AL)	$500	18%	10-31 days	50
Alaska (AK)	$500	15%	14-30 days	6
California (CA)	$300	15%	31 days	50
Colorado (CO)	$500	36%	6 months min	50
Delaware (DE)	1 loan at a time	No fee cap (set by contract)	60 days	11
Florida (FL)	$500	10%	7-31 days	50
Hawaii (HI)	No fixed dollar cap	36%	N/A	31
Idaho (ID)	1 loan at a time	No fee cap (set by contract)	31 days	22
Illinois (IL)	No fixed dollar cap	36%	N/A	50
Indiana (IN)	$550	15%	14-31 days	50
Iowa (IA)	$500	$15 on first $100, plus $10 per additional $100	31 days	41
Kansas (KS)	$500	15%	7-30 days	50
Kentucky (KY)	$500	$15 per $100 advanced + $1 database fee	14-60 days	40
Louisiana (LA)	$350	17%	30 days	50
Maine (ME)	No fixed dollar cap	36%	N/A	31
Michigan (MI)	$600	15%	31 days	50
Minnesota (MN)	$350	36%	30 days	50
Mississippi (MS)	$500	$20 per $100 advanced	30 days	42
Missouri (MO)	$500	75%	14-31 days	50
Montana (MT)	No fixed dollar cap	36%	N/A	7
Nebraska (NE)	$500	36%	34 days	17
Nevada (NV)	25% of monthly income	No fee cap (set by contract)	35 days	22
New Hampshire (NH)	No fixed dollar cap	36%	N/A	35
New Mexico (NM)	10 loans per year	36%	120 days min	23
North Dakota (ND)	$500	20%	60 days	9
Ohio (OH)	1 loan at a time	28%	91-365 days	50
Oklahoma (OK)	$500	$15 per $100 for first $300, $10 per $100 above $300	12-45 days	43
Oregon (OR)	$500	36%	31-60 days	50
Rhode Island (RI)	$500	15%	13 days min	32
South Carolina (SC)	$550	15%	31 days	50
South Dakota (SD)	$500	36%	N/A	12
Tennessee (TN)	$500	15%	31 days	50
Texas (TX)	No fixed dollar cap	10%	7-180 days	50
Utah (UT)	No fixed dollar cap	No fee cap (set by contract)	10 weeks for interest accrual	50
Virginia (VA)	2 loans max	36%	120-730 days	50
Washington (WA)	$700	15%	45 days	50
Wisconsin (WI)	1 loan at a time	No fee cap (set by contract)	90 days	50
Wyoming (WY)	No fixed dollar cap	20%	8-31 days	10

Biggest cities we cover

What a payday loan costs: examples

In a 15% state like California or Michigan, borrowing $300 costs a flat fee for two weeks — the lender may not add a cent more. The spread across America is real: from $30 in Florida to $225 in Missouri for the same $300 over two weeks. In states without a fixed fee cap (Delaware, Idaho, Iowa, Kentucky…), the price is set by competition: compare offers and read the fee line before signing.

The vocabulary, in plain words

Payday loan: A small, single-fee loan repaid in one lump on your next payday — 14 to 31 days in most states.
Cash advance: The industry's second name for a payday loan. Also "payday advance" or "payroll advance" — same product, same state caps.
APR: Annualized cost of credit. A $15-per-$100 two-week fee annualizes to ~391% APR even though you only borrow for two weeks.
Fee cap: The maximum fee a lender may charge, set by state statute. Same cap online and in stores.
Rollover: Paying a new fee to push the due date back. Most states ban or limit rollovers because they compound into debt spirals.
Rescission: A short statutory window (often one business day) to cancel the loan and return the principal, owing nothing.
PAL: Payday Alternative Loan — a federal credit-union product capped at 28% APR, the cheap cousin of a payday loan.

Popular guides

Useful payday loan resources

Online payday loans: FAQ

How much does a payday loan cost online?

The same as in a storefront: your state's fee cap applies to every channel. Most states allow $10–$30 per $100 borrowed for a two-week loan, so a $300 loan costs about $45 in a 15% state.

Can I apply online, or do I need a store?

You can apply fully online. Licensed online lenders verify your income electronically, sign you electronically, and deposit to your checking account — same caps, same laws as a storefront in your state.

What do I need to qualify?

Be 18+, a US resident with verifiable income (a job, benefits, or pensions all count), an active checking account, and a working phone or email. Payday lenders do not require good credit.

Which states allow payday loans?

This guide covers the 38 states where payday lending is legal, from Alabama to Wyoming. States not listed here — like New York, New Jersey, or Massachusetts — ban the product; the table below shows each legal state's cap.

Payday Loan Calculator

State Loan amount ($) Term

The legal ceiling computed from state statute — the most a licensed lender may charge. It is the law, not a quote.

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Every figure on this page is the legal ceiling computed from state law — the most a licensed lender may charge you. All City Payday Loan matches you with licensed lenders and shows the cost before you commit.

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Disclosure. All City Payday Loan is not a lender, not a broker, and does not make credit decisions. Rates and terms are set by third-party lenders and depend on state law and the lender's underwriting; short-term loans carry APRs that may range from 35.99% to 359.99%. A payday loan is a short-term tool for a temporary cash gap — it is not a solution for long-term debt problems. Late or missed payments may result in additional fees and collection activity. Check your lender's license with your state regulator before you sign.