Category
State Laws
Where you live decides what a payday loan costs — and whether you can get one at all. Each state sets its own fee cap, term limits, rollover rules and APR ceiling, and the gap between them is enormous: the same loan that's routine in one state is illegal across the border. This category maps those rules so you can see your state's actual limits, spot a quote that's higher than the law allows, and know your rights to extended payment plans. Start with your state guide below or browse the full Loans by State directory.
Browse payday loan rules by state
Payday Loans in California
California's $17.65-per-$100 fee cap, the $300 loan limit, and what the state's lending law means for borrowers.
James Torres · State guidePayday Loans in Texas
How the credit-access-business (CAB) model layers broker fees on top of interest — and why Texas runs among the priciest.
James Torres · State guidePayday Loans in Florida
Florida's $10-per-$100 cap, the verification fee, the database, and the state-mandated grace period explained.
James Torres · State guidePayday Loans in New York
Why single-payment payday lending is effectively banned in New York, and the legal alternatives that replaced it.
James Torres · State guidePayday Loans by State: The Full Directory
Every state's fee cap, APR ceiling and legal status in one place — find your state and its rules in seconds.
James Torres · All statesThe Real Cost of a $500 Payday Loan by State
The companion data piece: what a $500 two-week loan costs in fees, totals and APR across the states.
Maria Keller · 9 minTwo minutes, no obligation
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