Arizona
Check lender licensing, permitted charges and early-repayment rights.
Installment Loans in ArizonaLoan Guides by State
Find payday and installment loan guides for your state, with information on lender requirements, costs and repayment terms.
Choose a State Loan Guide
State lending rules depend on the loan type and the company making the loan. Choose the relevant guide below to review lender authorization, borrowing costs and repayment requirements.
Payday-loan restrictions do not automatically describe the rules for installment loans. An installment repayment schedule alone also does not identify the law governing an offer. The state guides explain these distinctions and link to regulator resources.
Installment Loan Guides by State
These guides cover installment-loan categories, lender licensing, costs and repayment terms in each listed state. Check which rules apply to the particular lender and loan.
Arkansas
Understand the state interest rule and why a lender's legal authority matters.
Installment Loans in ArkansasColorado
Compare acquisition and handling charges, repayment periods and early-payoff refunds.
Installment Loans in ColoradoConnecticut
Check which small-loan rules cover an offer, allowed fees and early payoff.
Installment Loans in ConnecticutGeorgia
Distinguish quoted interest from APR and review contract and mailed-check protections.
Installment Loans in GeorgiaPayday and Short-Term Loan Guides by State
These guides cover payday lending and related short-term loan frameworks. Names and repayment structures differ by state; some short-term products use installment payments.
Alabama
Review deferred-presentment loan rules, permitted fees, repayment terms and payment-plan provisions.
Payday Loans in AlabamaAlaska
Check deferred-deposit advance rules, outstanding balances, lender requirements and repayment options.
Payday Loans in AlaskaCalifornia
Understand deferred-deposit transaction limits, permitted fees and the terms of the written agreement.
Payday Loans in CaliforniaDelaware
Review short-term consumer loan rules, database checks and repayment requirements.
Payday Loans in DelawareFlorida
Distinguish standard deferred-presentment loans from installment transactions and compare their costs and terms.
Payday Loans in FloridaIdaho
Check loan amounts, income-based limits, renewals and extended payment-plan eligibility.
Payday Loans in IdahoIndiana
Review small-loan pricing, cancellation rights, loan-count rules and repayment-plan protections.
Payday Loans in IndianaIowa
Check delayed-deposit transaction limits, tiered fees, disclosures and refinancing restrictions.
Payday Loans in IowaKansas
Review advance limits, permitted fees, repayment periods, cancellation rights and payment plans.
Payday Loans in KansasKentucky
Understand deferred-deposit transaction rules, database checks, service fees and rollover restrictions.
Payday Loans in KentuckyLouisiana
Review deferred-presentment charges, partial-payment rights, rollover restrictions and payment-plan options.
Payday Loans in LouisianaMaine
Check payday lender licensing, finance-charge rules and the costs shown in an offer.
Payday Loans in MaineMichigan
Review transaction limits, service fees, cancellation rights and repayment-plan conditions.
Payday Loans in MichiganMississippi
Check delayed-deposit loan charges and terms, rollover restrictions and returned-check rules.
Payday Loans in MississippiMissouri
Review loan amounts, repayment terms, total charges, cancellation rights and renewal conditions.
Payday Loans in MissouriNevada
Understand income-based limits, loan terms, rescission rights and payment-plan requirements.
Payday Loans in NevadaNew Hampshire
Review payday loan pricing rules, principal limits, cancellation rights and borrowing restrictions.
New Hampshire Payday Loan LawsNorth Dakota
Distinguish cash advances from debt limits and check fees, renewals and hardship arrangements.
North Dakota Payday Loan LawsOhio
Understand the installment-based Short-Term Loan Act, permitted charges and cancellation rights.
Short-Term Loans in OhioOregon
Compare interest and origination fees, minimum terms, renewal limits and applicable local rules.
Oregon Payday Loan LawsRhode Island
Check current payday lending rules, permitted charges, renewal restrictions and regulator resources.
Rhode Island Payday Loan LawsSouth Carolina
Review deferred-presentment limits, permitted fees, rescission rights and extended payment plans.
Payday Loans in South CarolinaTennessee
Check deferred-presentment limits, fees, repayment periods and outstanding-loan restrictions.
Payday Loans in TennesseeTexas
Understand the Credit Access Business model, the role of CAB fees and applicable local rules.
Payday Loans in TexasUtah
Review deferred-deposit disclosures, interest limits, rescission rights and extended payment plans.
Payday Loans in UtahWashington
Check loan amounts, fees, borrowing-frequency limits and required installment plans.
Washington Payday Loan LawsWisconsin
Review amount limits, fees, cancellation rights, refinancing and repayment-plan provisions.
Wisconsin Payday Loan LawsWyoming
Compare charge limits, cancellation rights, payment-plan provisions and refinancing restrictions.
Wyoming Payday Loan LawsUsing the State Guides to Review an Offer
Identify the actual creditor and loan category before using a legal rate, fee or amount limit. A legal maximum is not a quoted offer or a guarantee of approval. Lender requirements and final terms vary.
Before accepting, compare the funds you will receive, borrowing costs and payment schedule in the loan agreement. For an existing bill, payment arrangements and other alternatives may address the expense without a new loan.
Educational purpose: The guides explain selected lending rules; they do not guarantee product availability, approval or specific terms. Laws and licensing can change. Use the regulator resources linked from the relevant state guide to check the requirements for a particular offer.
Understand the Loan Types
Compare how installment and payday loans work, including the costs and repayment terms to check in an offer.