Availability and rules can vary across the U.S. Select your state to view consumer guidance, disclosures, and educational resources where applicable.
Click a state to open its location-specific page:
Note: This page is informational and intended to support responsible decision-making.
Every state in the U.S. treats payday loans and installment loans differently. That means “online loan availability” isn’t just about where you apply — it’s about what’s permitted, what’s restricted, and what disclosures are required in your location. This States Hub is built to make that simple: start with your state, understand the rules, and explore options responsibly.
State laws control loan structure: maximum amounts, fee caps, licensing, rollover rules, and cooling-off periods.
Google prefers location-specific compliance content because it matches search intent and improves consumer clarity.
Click your state to view availability notes, disclosures, repayment expectations, and loan-type comparisons.
You’ll see each state grouped into one of three informational categories. These labels aren’t legal advice — they’re a structured way to help consumers understand availability and rules before applying.
Payday loans are typically short-term, while installment loans are structured around scheduled repayments. But what matters most isn’t the label — it’s the repayment structure, total cost disclosure, and state rules that control how offers can be presented.
No. Payday loan rules vary by state. Some states permit payday loans with limits, some regulate them heavily, and others prohibit traditional payday lending entirely. That’s why exploring your state page first matters.
Restricted means the state may limit payday-style loans through caps, licensing requirements, APR restrictions, term rules, or product structure requirements. Availability may exist, but compliance rules can be strict.
Reviewing state guidance pages does not impact credit. Credit impact depends on what happens during a lender’s application process and how underwriting is completed. Always review disclosures before proceeding.
Always review repayment schedule, fees, total repayment amount, and timelines. Borrow only what you can repay without missing essential expenses, and consider alternatives when possible.
Start with your state card above. When you're ready, you can check eligibility using a secure application flow designed for clarity.
Quick answers about state availability, licensing, and consumer protections.
Each state sets its own rules for licensing, loan limits, and consumer protections. Availability can change depending on local regulations.
No. Legality only reflects state permission status. Eligibility depends on lender requirements and the consumer’s situation.
Review your state’s limits, fees, repayment terms, disclosures, and consumer rights. Comparing options helps reduce surprises.
