Payday & Small-Dollar Loan Laws by State
A plain-English summary of every U.S. state's payday and short-term consumer-loan rules — APR caps, loan limits, rollover restrictions, and the regulator who enforces them.
Payday loans legal (29 states)
36% APR-capped / restricted (9 states)
Payday loans prohibited (12 states)
About this data
Summaries are compiled from NCSL's payday lending statute tracker, state regulator websites, the CFPB consumer-protection database, and primary statute text. Lending rules change; verify current limits with the state regulator before borrowing. Nothing on this page is legal advice.
Reviewed by Darnell Pierce, MBA. See our fact-checking policy.