# Payday Loans by State: 50 States + DC Guide (2026) | Nimbus Loans

> Compare payday loan laws, APR limits and alternatives across all 50 states and Washington, D.C. Discover your state's rules — plus cheaper legal options available.

Источник: https://nimbusloans.com/by-state/

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# State-by-State Payday Loan Regulations

State regulations for payday loans can differ significantly. Limits vary from no rate caps at all to a strict 36% APR limit that bans these loans. Choose your state to see the specific maximum rates, loan amounts, oversight bodies, and lower-cost options available to you.

## Payday loans available (25)

Storefront or online payday lenders are licensed in these states. Here, Nimbus Loans connects people with state-approved lenders — and we consistently present more affordable choices as well.

[AlabamaRate cap 456% APR · Max $500Available](/by-state/alabama/)

[AlaskaRate cap 435% APR · Max $500Available](/by-state/alaska/)

[CaliforniaRate cap 460% APR · Max $300Available](/by-state/california/)

[DelawareRate cap 521% APR · Max $1,000Available](/by-state/delaware/)

[FloridaRate cap 304% APR · Max $1,000Available](/by-state/florida/)

[IdahoRate cap 652% APR · Max $1,000Available](/by-state/idaho/)

[IndianaRate cap 391% APR · Max $605Available](/by-state/indiana/)

[IowaRate cap 337% APR · Max $500Available](/by-state/iowa/)

[KansasRate cap 391% APR · Max $500Available](/by-state/kansas/)

[KentuckyRate cap 460% APR · Max $500Available](/by-state/kentucky/)

[LouisianaRate cap 478% APR · Max $350Available](/by-state/louisiana/)

[MichiganRate cap 391% APR · Max $600Available](/by-state/michigan/)

[MississippiRate cap 521% APR · Max $500Available](/by-state/mississippi/)

[MissouriRate cap 443% APR · Max $500Available](/by-state/missouri/)

[NevadaRate cap 652% APR · Max No statutory capAvailable](/by-state/nevada/)

[North DakotaRate cap 487% APR · Max $500Available](/by-state/north-dakota/)

[OklahomaRate cap 391% APR · Max $500Available](/by-state/oklahoma/)

[Rhode IslandRate cap 261% APR · Max $500Available](/by-state/rhode-island/)

[South CarolinaRate cap 391% APR · Max $550Available](/by-state/south-carolina/)

[TennesseeRate cap 459% APR · Max $500Available](/by-state/tennessee/)

[TexasNo rate cap (typical ~576% APR) · Max No statutory capAvailable](/by-state/texas/)

[UtahRate cap 658% APR · Max No statutory capAvailable](/by-state/utah/)

[WashingtonRate cap 391% APR · Max $700Available](/by-state/washington/)

[WisconsinRate cap 574% APR · Max $1,500Available](/by-state/wisconsin/)

[WyomingRate cap 261% APR · Max No statutory capAvailable](/by-state/wyoming/)

## Restricted / rate-capped (3)

Payday advances are permitted but have strict cost limits. Availability is limited; other choices are frequently less expensive.

[MaineRate cap 30% APR · Max $2,000Restricted](/by-state/maine/)

[MinnesotaRate cap 200% APR · Max $350Restricted](/by-state/minnesota/)

[OregonRate cap 36% APR · Max $50,000Restricted](/by-state/oregon/)

## Installment loans only (8)

Standard payday loans are unavailable; they are substituted by longer installment loans. We display these installment plans along with other possibilities.

[ArizonaRate cap 36% APR · Max $2,500Installment only](/by-state/arizona/)

[ColoradoRate cap 36% APR · Max $500Installment only](/by-state/colorado/)

[HawaiiRate cap 36% APR · Max $1,500Installment only](/by-state/hawaii/)

[IllinoisRate cap 36% APR · Max $1,000Installment only](/by-state/illinois/)

[New HampshireRate cap 36% APR · Max $500Installment only](/by-state/new-hampshire/)

[New MexicoRate cap 36% APR · Max $10,000Installment only](/by-state/new-mexico/)

[OhioRate cap 28% APR · Max $1,000Installment only](/by-state/ohio/)

[VirginiaRate cap 36% APR · Max $2,500Installment only](/by-state/virginia/)

## Payday loans banned (15)

Payday lending is essentially banned due to a very low APR maximum. For people in these states, Nimbus Loans only displays permitted alternatives — such as PALs, EWA, and nonprofit help.

[Arkansas17% APR cap — alternatives onlyBanned](/by-state/arkansas/)

[Connecticut12% APR cap — alternatives onlyBanned](/by-state/connecticut/)

[District of Columbia24% APR cap — alternatives onlyBanned](/by-state/district-of-columbia/)

[Georgia60% APR cap — alternatives onlyBanned](/by-state/georgia/)

[Maryland33% APR cap — alternatives onlyBanned](/by-state/maryland/)

[Massachusetts23% APR cap — alternatives onlyBanned](/by-state/massachusetts/)

[Montana36% APR cap — alternatives onlyBanned](/by-state/montana/)

[Nebraska36% APR cap — alternatives onlyBanned](/by-state/nebraska/)

[New Jersey30% APR cap — alternatives onlyBanned](/by-state/new-jersey/)

[New York25% APR cap — alternatives onlyBanned](/by-state/new-york/)

[North Carolina30% APR cap — alternatives onlyBanned](/by-state/north-carolina/)

[Pennsylvania24% APR cap — alternatives onlyBanned](/by-state/pennsylvania/)

[South Dakota36% APR cap — alternatives onlyBanned](/by-state/south-dakota/)

[Vermont18% APR cap — alternatives onlyBanned](/by-state/vermont/)

[West Virginia31% APR cap — alternatives onlyBanned](/by-state/west-virginia/)