Payday lending rules change at every state line — from no cap at all to a 36% APR ceiling that bans the product outright. Pick your state below for the exact rate cap, loan limits, licensing authority and the lower-cost alternatives available to you.
These states license storefront and/or online payday lenders. Quick Cash matches applicants with state-licensed lenders here — and always shows lower-cost alternatives alongside.
Payday loans are legal but tightly capped. Offers are limited; alternatives often beat them on cost.
Single-payment payday loans are not offered; longer-term installment loans take their place. We show installment options and alternatives.
Payday lending is effectively prohibited by a low APR cap. Quick Cash shows only legal alternatives — PALs, EWA, nonprofit aid — for residents here.