Payday Loans Near Me
"Near me" really means "in your state" for payday loans — each state has its own rules on APR, loan size, and rollovers. Pick your state below to see what's legal and find local lenders, or compare online alternatives.
Pick your state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
No payday lenders in your state?
15 states and DC effectively prohibit payday loans through APR caps. If you're in one of them, look at these alternatives:
- Personal installment loans (typically 6%–36% APR)
- Emergency loans for unexpected expenses
- Credit union PAL loans (capped at 28% APR)
- Bad-credit options when traditional lenders won't approve
How to find a legal payday lender near you
- Check your state's payday loan law — confirm payday loans are legal and learn the max loan and APR.
- Verify the lender is state-licensed. Search your state regulator's database (linked on each state's loan-law page).
- Compare offers from at least three lenders to avoid the highest-fee storefronts.
- Read the loan agreement in full — confirm the APR, total repayment, and any rollover fees before signing.