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Payday loan Interest rates vary greatly from state to state and may change frequently. Be sure you check your individual state website to review APRs and regulations that apply to you. This is usually displayed in the Secretary of State part of each state website.
| State | APR % |
|---|---|
| Alabama | 456 |
| Alaska | 435 |
| Hawaii | 460 |
| Indiana | 382 |
| Kansas | 391 |
| Kentucky | 460 |
| Michigan | 369 |
| Mississippi | 521 |
| Missouri | 443 |
| Nebraska | 460 |
| New Hampshire | N/A |
| North Dakota | 487 |
| Ohio | 677 |
| Oklahoma | 395 |
| Rhode Island | 261 |
| South Carolina | 391 |
| South Dakota | N/A |
| Tennessee | 460 |
| Virginia | 601 |
| Idaho | 652 |
| Illinois | 404 |
| Nevada | 652 |
| New Mexico | 416 |
| Texas | 662 |
| Utah | 658 |
| Washington | 391 |
| Wisconsin | 574 |
| Wyoming | 261 |
| California | 460 |
| Louisiana | 391 |
| Minnesota | 200 |
| Montana | N/A |
| Colorado | 214 |
| Oregon | 154 |
| State | APR % | Max Loan Amount |
|---|---|---|
| Arizona | N/A | Prohibited |
| Arkansas | N/A | Prohibited |
| Connecticut | N/A | Prohibited |
| Georgia | N/A | Prohibited |
| Maine | Only supervised lenders are permitted to cash or advance money on a postdated check | |
| Maryland | N/A | Prohibited |
| Massachusetts | N/A | Prohibited |
| New Jersey | N/A | Prohibited |
| New York | N/A | Prohibited |
| North Carolina | N/A | Prohibited |
| Pennsylvania | N/A | Prohibited |
| Vermont | N/A | Prohibited |
| West Virginia | N/A | Prohibited |
The list above covers all 50 U.S. states and their respective APRs. Loan APRs can be changed at any time, and this listing is for informational purposes only.
Online payday loans offer solutions for short-term and emergency cash shortages and are not intended to be for spending money on unnecessary expenses.
