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.
| State | Payday | Title | Personal |
|---|---|---|---|
| Alabama | Legal | Legal | Rules |
| Alaska | Legal | Limited | Rules |
| Arizona | Not available | Legal | Rules |
| Arkansas | Not available | Not available | Rules |
| California | Legal | Legal | Rules |
| Colorado | Not available | Limited | Rules |
| Connecticut | Not available | Not available | Rules |
| Delaware | Legal | Legal | Rules |
| District of Columbia | Not available | Not available | Rules |
| Florida | Legal | Legal | Rules |
| Georgia | Not available | Legal | Rules |
| Hawaii | Not available | Rules | |
| Idaho | Legal | Legal | Rules |
| Illinois | Not available | Limited | Rules |
| Indiana | Legal | Rules | |
| Iowa | Legal | Limited | Rules |
| Kansas | Legal | Legal | Rules |
| Kentucky | Legal | Limited | Rules |
| Louisiana | Legal | Legal | Rules |
| Maine | Legal | Not available | Rules |
| Maryland | Not available | Not available | Rules |
| Massachusetts | Not available | Not available | Rules |
| Michigan | Legal | Not available | Rules |
| Minnesota | Legal | Legal | Rules |
| Mississippi | Legal | Legal | Rules |
| Missouri | Legal | Legal | Rules |
| Montana | Not available | Not available | Rules |
| Nebraska | Not available | Not available | Rules |
| Nevada | Legal | Legal | Rules |
| New Hampshire | Not available | Legal | Rules |
| New Jersey | Not available | Not available | Rules |
| New Mexico | Not available | Not available | Rules |
| New York | Not available | Not available | Rules |
| North Carolina | Not available | Not available | Rules |
| North Dakota | Legal | Limited | Rules |
| Ohio | Legal | Limited | Rules |
| Oklahoma | Not available | Limited | Rules |
| Oregon | Legal | Legal | Rules |
| Pennsylvania | Not available | Not available | Rules |
| Rhode Island | Legal | Limited | Rules |
| South Carolina | Legal | Legal | Rules |
| South Dakota | Not available | Not available | Rules |
| Tennessee | Legal | Legal | Rules |
| Texas | Legal via CSO/CAB | Legal via CSO/CAB | Rules |
| Utah | Legal | Legal | Rules |
| Vermont | Not available | Not available | Rules |
| Virginia | Legal | Legal | Rules |
| Washington | Legal | Not available | Rules |
| West Virginia | Not available | Not available | Rules |
| Wisconsin | Legal | Legal | Rules |
| Wyoming | Legal | Limited | Rules |