Free loan-matching service. Zebra Finance is not a lender. We connect you with lenders. How we make money

Loans by state: payday, title & personal loan laws

Lending rules are set mostly by states. Pick yours to see what is legal, how much lenders can charge, and the local banks, credit unions and lenders that serve every county and city.

Request a personal loan

✓ Free to use✓ About 3 minutes✓ No obligation✓ Bad credit OK to apply
  1. 1 Choose an amount and fill out the form
  2. 2 Get matched with a lender in our network
  3. 3 Review your offer and get funded, often next business day

Tip: apply on a weekday morning for the best chance of funding by the next business day.

No hard credit inquiry on our end; lenders may check your credit. Not a lender; approval, amount and terms come from the lender. Example: $1,000 over 12 months at 35.99% APR ≈ $100.46/month.

StatePaydayTitlePersonal
AlabamaLegalLegalRules
AlaskaLegalLimitedRules
ArizonaNot availableLegalRules
ArkansasNot availableNot availableRules
CaliforniaLegalLegalRules
ColoradoNot availableLimitedRules
ConnecticutNot availableNot availableRules
DelawareLegalLegalRules
District of ColumbiaNot availableNot availableRules
FloridaLegalLegalRules
GeorgiaNot availableLegalRules
HawaiiNot availableRules
IdahoLegalLegalRules
IllinoisNot availableLimitedRules
IndianaLegalRules
IowaLegalLimitedRules
KansasLegalLegalRules
KentuckyLegalLimitedRules
LouisianaLegalLegalRules
MaineLegalNot availableRules
MarylandNot availableNot availableRules
MassachusettsNot availableNot availableRules
MichiganLegalNot availableRules
MinnesotaLegalLegalRules
MississippiLegalLegalRules
MissouriLegalLegalRules
MontanaNot availableNot availableRules
NebraskaNot availableNot availableRules
NevadaLegalLegalRules
New HampshireNot availableLegalRules
New JerseyNot availableNot availableRules
New MexicoNot availableNot availableRules
New YorkNot availableNot availableRules
North CarolinaNot availableNot availableRules
North DakotaLegalLimitedRules
OhioLegalLimitedRules
OklahomaNot availableLimitedRules
OregonLegalLegalRules
PennsylvaniaNot availableNot availableRules
Rhode IslandLegalLimitedRules
South CarolinaLegalLegalRules
South DakotaNot availableNot availableRules
TennesseeLegalLegalRules
TexasLegal via CSO/CABLegal via CSO/CABRules
UtahLegalLegalRules
VermontNot availableNot availableRules
VirginiaLegalLegalRules
WashingtonLegalNot availableRules
West VirginiaNot availableNot availableRules
WisconsinLegalLegalRules
WyomingLegalLimitedRules
Free · about 3 min · no obligationSee if you qualify