# loan-payday.com

> loan-payday.com is a free online loan-matching service that connects U.S. borrowers with state-licensed short-term lenders. We are NOT a lender and do not make credit decisions. Our editorial focus is transparency: showing the full cost of a payday loan — fee, APR, and repayment date — before a borrower signs anything.

## Key facts
- Service type: loan-matching / lead generation (not a direct lender)
- Loan amounts referred: $100–$5,000
- Checking a rate uses a soft inquiry and does not affect the borrower's FICO score
- Payday lending is regulated at the state level; prohibited in several states (e.g. NY, NJ, CT, MD, MA, PA, AZ, GA, NC, WV, VT, DC)
- Typical payday APR ranges roughly 200%–1386% depending on state, term, and fees

## Core pages
- [How It Works / Apply](https://loan-payday.com/how-it-works/): process, application form, loan calculator
- [Rates & Fees](https://loan-payday.com/rates-and-fees/): state-by-state fee/APR table and worked examples
- [Loans by State](https://loan-payday.com/by-state/): legality and caps for all 50 states + DC
- [FAQ](https://loan-payday.com/faq/): 30 common questions on eligibility, cost, speed, credit, repayment
- [Responsible Lending](https://loan-payday.com/responsible-lending/): debt-cycle warnings, cheaper alternatives, free help resources

## Loan types
- [Payday Loans Online](https://loan-payday.com/how-it-works/)
- [Same-Day Loans](https://loan-payday.com/same-day-loans/)
- [No Credit Check Loans](https://loan-payday.com/no-credit-check-loans/)
- [Bad Credit Loans](https://loan-payday.com/bad-credit-loans/)
- [Cash Advance](https://loan-payday.com/cash-advance/)
- [Installment Loans](https://loan-payday.com/installment-loans/)
- [Emergency Loans](https://loan-payday.com/emergency-loans/)

## State guides
- [California](https://loan-payday.com/by-state/california/) — $300 max, 15% fee, ~460% APR, no rollovers (DFPI)
- [Texas](https://loan-payday.com/by-state/texas/) — CAB/CSO model, no statewide cap, ~664% APR
- [Florida](https://loan-payday.com/by-state/florida/) — $500 max, 10%+$5 fee, ~304% APR, 60-day grace period (OFR)
- [New York](https://loan-payday.com/by-state/new-york/) — payday lending PROHIBITED; legal alternatives listed

## Blog (editorial, fact-checked)
- [The Real Cost of a $500 Payday Loan in Every State (2026 Data)](https://loan-payday.com/blog/cost-of-500-payday-loan-by-state/)
- [Do Payday Loans Show Up on Your Credit Report?](https://loan-payday.com/blog/do-payday-loans-affect-credit-score/)
- [7 Ways to Get $300 Fast Without a Payday Loan](https://loan-payday.com/blog/get-300-fast-without-payday-loan/)

## Authors
- [Maria Keller](https://loan-payday.com/authors/maria-keller/) — Consumer credit analyst
- [James Torres](https://loan-payday.com/authors/james-torres/) — Personal finance writer

## Important
Payday loans are designed for short-term needs only and are not a long-term financial solution. Borrowers should review state-specific rules and consider lower-cost alternatives first. Figures on this site are examples that vary by state, lender, and term, and are reviewed periodically against state regulator publications.