The 50-State Payday Loan Cost Index 2026

Fee per $100 borrowed on a 14-day single-payment loan. White = effectively banned.

AK$15 ME$1.15 WA$15 ID$25 MT$1.10 ND$20 MN$1.90 WI$23 MI$14 NYBAN VTBAN OR$1.40 NV$25 WY$20 SD$1.10 IA$12 IL$1.10 IN$14 OH$10 PABAN NJBAN CTBAN CA$17.65 UT$23.50 CO$1.10 NE$1.10 MO$20.50 KY$15 WVBAN VA$1.40 MDBAN DE$15 RI$10 AZBAN NM$1.10 KS$15 ARBAN TN$15 NCBAN SC$15 DCBAN MABAN NH$1.10 HI$1.10 TX (CAB)$22.10/$100 · 568% APR LA$19.10 MS$20 AL$17.50 GABAN FL$11/$100 · 286% APR OK$15
36% APR or less ($1–$2 fee)
Low storefront ($10–$15)
Mid storefront ($15–$20)
High storefront ($20+)
Effectively banned
Source: Quick Cash 50-State Payday Loan Cost Index 2026 · CC-BY 4.0 View full report →