Payday loans in California
Legal, with licensed lenders.
$300 check; $255 cash at the maximum fee.
CASH ADVANCE MATH / PAYDAY LOANS BY STATE
Payday loans. The rules depend on your state.
Know the limits on what a lender can charge, where to check the rules and which alternatives to compare before you borrow.
Payday loans in Texas
Legal through Credit Access Businesses.
No statewide maximum.
Payday loans in Louisiana
Legal, with licensed lenders.
$740 for deferred presentment.
Payday loans in Ohio
Small installment loans under strict limits.
$1,000 per loan.
Rules being re-checked
Payday loans in Missouri
Legal, with licensed lenders.
$500.
Payday loans in Nevada
Legal as deferred deposit loans.
25% of expected gross monthly income.
Rules being re-checked
Where high-cost payday loans are prohibited
As of Sep 29, 2026, the Center for Responsible Lending list covers 20 states and DC with rate caps that stop high-cost payday lending.
Arizona · Arkansas · Colorado · Connecticut · Georgia · Illinois · Maryland · Massachusetts · Minnesota · Montana · Nebraska · New Hampshire · New Jersey · New Mexico · New York · North Carolina · Pennsylvania · South Dakota · Vermont · West Virginia · District of Columbia
Rhode Island joins on January 1, 2027. These caps do not mean every borrowing product is unavailable. Other trackers may treat Ohio, Hawaii and Virginia differently.
Compare the cost before choosing a loan
The national payday example in our calculator is not a local rate quote. Use the state guides to understand the rules, and confirm current terms with the regulator and provider.