Rates and Fees by State


Select Your State:


Alabama

Payday Loans are legal in Alabama.

Payday Loan Terms & APR in Alabama (AL)

Maximum Loan Amount

$500



Loan Term

10-31 days



Maximum Finance Rate and Fees

17.50%



Finance Charge for 14-day $100 loan

$17.50



APR for 14-day $100 loan

456%



Alaska

Payday loans are legal in Alaska.

Payday Loan Terms & APR in Alaska (AK)

Maximum Loan Amount

$500



Loan Term

Min: 14 days



Maximum Finance Rate and Fees

15% of the amount advanced



Finance Charge for 14-day $100 loan

$20



APR for 14-day $100 loan

521%



Arizona

Payday loans are prohibited in Arizona.

Payday Loan Terms & APR in Arizona (AZ)

Maximum Loan Amount

N/A



Loan Term

N/A



Maximum Finance Rate and Fees

N/A



Finance Charge for 14-day $100 loan

N/A



APR for 14-day $100 loan

N/A



Arkansas

Payday loans are prohibited in Arkansas.

Payday Loan Terms & APR in Arkansas (AR)

Maximum Loan Amount

N/A



Loan Term

N/A



Maximum Finance Rate and Fees

N/A



Finance Charge for 14-day $100 loan

N/A



APR for 14-day $100 loan

N/A



California

Payday Loans are legal in California.

Payday Loan Terms & APR in California (CA)

Maximum Loan Amount

$300



Max Loan Term

31 days



Maximum Finance Rate and Fees

15% of the amount advanced



Finance Charge for 14-day $100 loan

$17.65



APR for 14-day $100 loan

460%



Colorado

Payday Loans are legal, but effectively outlawed in Colorado.

Payday Loan Terms & APR in Colorado (CO)

Maximum Loan Amount

500



Loan Term

Min: 6 months



Maximum Finance Rate and Fees

36%



Finance Charge for 14-day $100 loan

N/A



APR for 14-day $100 loan

N/A



Connecticut

Payday Loans are prohibited in Connecticut. Alternatively, small loans are allowed.

Payday Loan Terms & APR in Connecticut (CT)

Maximum Loan Amount

15000



Loan Term

N/A



Maximum Finance Rate and Fees

N/A



Finance Charge for 14-day $100 loan

N/A



APR for 14-day $100 loan

12%



Delaware

Payday Loans are legal in Delaware.

Payday Loan Terms & APR in Delaware (DE)

Maximum Loan Amount

$1000



Loan Term

60 days



Maximum Finance Rate and Fees

Not Specified



Finance Charge for 14-day $100 loan

No Limit



APR for 14-day $100 loan

No Limit



District of Columbia

Payday Loans are prohibited in District of Columbia.

Payday Loan Terms & APR in District of Columbia (DC)

Maximum Loan Amount

N/A



Loan Term

N/A



Maximum Finance Rate and Fees

N/A



Finance Charge for 14-day $100 loan

N/A



APR for 14-day $100 loan

N/A



Florida

Payday Loans are legal in Florida.

Payday Loan Terms & APR in Florida (FL)

Maximum Loan Amount

$500



Loan Term

7-31 days



Maximum Finance Rate and Fees

Not Specified



Finance Charge for 14-day $100 loan

$15



APR for 14-day $100 loan

391%



Georgia

Payday Loans are prohibited in Georgia.

Payday Loan Terms & APR in Georgia (GA)

Maximum Loan Amount

N/A



Loan Term

N/A



Maximum Finance Rate and Fees

N/A



Finance Charge for 14-day $100 loan

N/A



APR for 14-day $100 loan

N/A



Hawaii

Payday Loans are legal in Hawaii.

Payday Loan Terms & APR in Hawaii (HI)

Maximum Loan Amount

$600



Max Loan Term

32 days



Maximum Finance Rate and Fees

15%



Finance Charge for 14-day $100 loan

$17.65



APR for 14-day $100 loan

459%



Idaho

Payday Loans are legal in Idaho.

Payday Loan Terms & APR in Idaho (ID)

Maximum Loan Amount

$1000



Loan Term

Not Specified



Maximum Finance Rate and Fees

Not Specified



Finance Charge for 14-day $100 loan

-



APR for 14-day $100 loan

No Limit



Illinois

Payday Loans are legal in Illinois.

Payday Loan Terms & APR in Illinois (IL)

Maximum Loan Amount

$1000



Loan Term

13-45 Days



Maximum Finance Rate and Fees

$15.50 per $100



Finance Charge for 14-day $100 loan

$15.50



APR for 14-day $100 loan

403%



Indiana

Payday Loans are legal in Indiana.

Payday Loan Terms & APR in Indiana (IN)

Maximum Loan Amount

$605



Min Loan Term

14 days



Maximum Finance Rate and Fees

15%: $0-$250; 13%: $251-$400; 10%: $401-$500



Finance Charge for 14-day $100 loan

$15



APR for 14-day $100 loan

390%



Iowa

Payday Loans are legal in Iowa.

Payday Loan Terms & APR in Iowa (IA)

Maximum Loan Amount

$500



Max Loan Term

31 days



Maximum Finance Rate and Fees

$15: $0-$100 on face amount of check; $10 per $100 thereafter



Finance Charge for 14-day $100 loan

$16.67



APR for 14-day $100 loan

433%



Kansas

Payday Loans are legal in Kansas.

Payday Loan Terms & APR in Kansas (KS)

Maximum Loan Amount

$500



Loan Term

7-30 days



Maximum Finance Rate and Fees

15% of loan



Finance Charge for 14-day $100 loan

$15



APR for 14-day $100 loan

390%



Kentucky

Payday Loans are legal in Kentucky.

Payday Loan Terms & APR in Kentucky (KY)

Maximum Loan Amount

$500



Loan Term

14-60 days



Maximum Finance Rate and Fees

$15 per $100



Finance Charge for 14-day $100 loan

$17.65



APR for 14-day $100 loan

459%



Louisiana

Payday Loans are legal in Louisiana.

Payday Loan Terms & APR in Louisiana (LA)

Maximum Loan Amount

$350



Loan Term

60 days or less



Maximum Finance Rate and Fees

16.75%



Finance Charge for 14-day $100 loan

$30



APR for 14-day $100 loan

780%



Maine

Payday Loans are legal in Maine.

Payday Loan Terms & APR in Maine (ME)

Maximum Loan Amount

$2,000



Loan Term

-



Maximum Finance Rate and Fees

30%



Finance Charge for 14-day $100 loan

$15



APR for 14-day $100 loan

391.07%



Maryland

Payday Loans are prohibited in Maryland.

Payday Loan Terms & APR in Maryland (MD)

Maximum Loan Amount

N/A



Loan Term

N/A



Maximum Finance Rate and Fees

N/A



Finance Charge for 14-day $100 loan

N/A



APR for 14-day $100 loan

N/A



Massachusetts

Payday Loans are prohibited in Massachusetts.

Payday Loan Terms & APR in Massachusetts (MA)

Maximum Loan Amount

N/A



Loan Term

N/A



Maximum Finance Rate and Fees

N/A



Finance Charge for 14-day $100 loan

N/A



APR for 14-day $100 loan

N/A



Michigan

Payday Loans are legal in Michigan.

Payday Loan Terms & APR in Michigan (MI)

Maximum Loan Amount

$600



Max Loan Term

31 days



Maximum Finance Rate and Fees

15% of first $100, 14% of second $100, 13% of third $100, 12% of fourth $100, 11% of fifth $100, 11% of sixth $100



Finance Charge for 14-day $100 loan

$15



APR for 14-day $100 loan

390%



Minnesota

Payday Loans are legal in Minnesota.

Payday Loan Terms & APR in Minnesota (MN)

Maximum Loan Amount

$350



Max Loan Term

30 days



Maximum Finance Rate and Fees

$5.50: $0-$50; 10%+$5: $51-$100; 7% (min. $10) + $5: $101-$250; 6% (min. $17.50) + $5: $251-$350 (After default: 2.75% per month)



Finance Charge for 14-day $100 loan

$15



APR for 14-day $100 loan

390%



Mississippi

Payday Loans are legal in Mississippi.

Payday Loan Terms & APR in Mississippi (MS)

Maximum Loan Amount

$500



Loan Term

Under $250: maximum of 30 days; $250-$500: 28-30 days



Maximum Finance Rate and Fees

Under $250: $20 per $100 advanced; $250-500: $21.95 per $100 advanced



Finance Charge for 14-day $100 loan

$20



APR for 14-day $100 loan

520%



Missouri

Payday Loans are legal in Missouri.

Payday Loan Terms & APR in Missouri (MO)

Maximum Loan Amount

$500



Loan Term

14-31 days



Maximum Finance Rate and Fees

Not Specified



Finance Charge for 14-day $100 loan

$75



APR for 14-day $100 loan

1950%



Montana

Payday Loans are legal in Montana.

Payday Loan Terms & APR in Montana (MT)

Maximum Loan Amount

$300, up to 25% of monthly net income of borrower



Max Loan Term

31 days



Maximum Finance Rate and Fees

36% APR



Finance Charge for 14-day $100 loan

$1.39



APR for 14-day $100 loan

Not Specified



Nebraska

Payday Loans are legal in Nebraska.

Payday Loan Terms & APR in Nebraska (NE)

Maximum Loan Amount

$500



Max Loan Term

34 days



Maximum Finance Rate and Fees

$15 per $100 or pro rata for any part thereof on amount of check



Finance Charge for 14-day $100 loan

$17.65



APR for 14-day $100 loan

459%



Nevada

Payday Loans are legal in Nevada.

Payday Loan Terms & APR in Nevada (NV)

Maximum Loan Amount

25% of expected gross monthly income



Loan Term

35 days



Maximum Finance Rate and Fees

Not Specified



Finance Charge for 14-day $100 loan

No Limit



APR for 14-day $100 loan

No Limit



New Hampshire

Payday Loans are legal in New Hampshire.

Payday Loan Terms & APR in New Hampshire (NH)

Maximum Loan Amount

$500



Loan Term

7-30 days



Maximum Finance Rate and Fees

36% annual interest



Finance Charge for 14-day $100 loan

$1.38



APR for 14-day $100 loan

36%



New Jersey

Payday Loans are prohibited in New Jersey.

Payday Loan Terms & APR in New Jersey (NJ)

Maximum Loan Amount

N/A



Loan Term

N/A



Maximum Finance Rate and Fees

N/A



Finance Charge for 14-day $100 loan

N/A



APR for 14-day $100 loan

N/A



New Mexico

Payday Loans are legal in New Mexico.

Payday Loan Terms & APR in New Mexico (NM)

Maximum Loan Amount

$5000



Loan Term

120 Days, and loans must have 4 substantially equal payments



Maximum Finance Rate and Fees

175% APR



Finance Charge for 14-day $100 loan

N/A



APR for 14-day $100 loan

N/A



New York

Payday Loans are prohibited in New York.

Payday Loan Terms & APR in New York (NY)

Maximum Loan Amount

N/A



Loan Term

N/A



Maximum Finance Rate and Fees

N/A



Finance Charge for 14-day $100 loan

N/A



APR for 14-day $100 loan

N/A



North Carolina

Payday Loans are prohibited in North Carolina.

Payday Loan Terms & APR in North Carolina (NC)

Maximum Loan Amount

N/A



Loan Term

N/A



Maximum Finance Rate and Fees

N/A



Finance Charge for 14-day $100 loan

N/A



APR for 14-day $100 loan

N/A



North Dakota

Payday Loans are legal in North Dakota.

Payday Loan Terms & APR in North Dakota (ND)

Maximum Loan Amount

$500



Max Loan Term

60 days



Maximum Finance Rate and Fees

20%



Finance Charge for 14-day $100 loan

$20



APR for 14-day $100 loan

520%



Ohio

Payday Loans are legal in Ohio.

Payday Loan Terms & APR in Ohio (OH)

Maximum Loan Amount

$1000



Loan Term

91 days to 1 year. If the monthly payment is less than 6% of gross monthly income or 7% of net monthly income, the loan may be for less than 91 days.



Maximum Finance Rate and Fees

28% APR and the lesser of 10% of the loan maintenance fee or a $30 maintenance fee.



Finance Charge for 14-day $100 loan

N/A



APR for 14-day $100 loan

N/A



Oklahoma

Payday Loans are legal in Oklahoma.

Payday Loan Terms & APR in Oklahoma (OK)

Maximum Loan Amount

$500



Loan Term

12-45 days



Maximum Finance Rate and Fees

$15 per $100: $0-$300; an additional fee of $10 per $100: $301-$500



Finance Charge for 14-day $100 loan

$15



APR for 14-day $100 loan

390%



Oregon

Payday Loans are legal in Oregon.

Payday Loan Terms & APR in Oregon (OR)

Maximum Loan Amount

$50,000 (Loan limit up to 25%of borrower’s net monthly income if earns $60,000 per year or less.)



Loan Term

31 to 60 days



Maximum Finance Rate and Fees

36% APR interest, one-time $10 per $100 of loan origination fee, up to $30



Finance Charge for 14-day $100 loan

$13 for 31 day loan



APR for 14-day $100 loan

154% APR for 31 day loan



Pennsylvania

Payday Loans are prohibited in Pennsylvania.

Payday Loan Terms & APR in Pennsylvania (PA)

Maximum Loan Amount

N/A



Loan Term

N/A



Maximum Finance Rate and Fees

N/A



Finance Charge for 14-day $100 loan

N/A



APR for 14-day $100 loan

N/A



Rhode Island

Payday Loans are legal in Rhode Island.

Payday Loan Terms & APR in Rhode Island (RI)

Maximum Loan Amount

$500



Min Loan Term

13 days



Maximum Finance Rate and Fees

10% of funds advanced



Finance Charge for 14-day $100 loan

$10



APR for 14-day $100 loan

260%



South Carolina

Payday Loans are legal in South Carolina.

Payday Loan Terms & APR in South Carolina (SC)

Maximum Loan Amount

$550



Max Loan Term

31 days



Maximum Finance Rate and Fees

15% of principal



Finance Charge for 14-day $100 loan

$15



APR for 14-day $100 loan

390%



South Dakota

Payday Loans are legal in South Dakota.

Payday Loan Terms & APR in South Dakota (SD)

Maximum Loan Amount

$500



Loan Term

Not Specified



Maximum Finance Rate and Fees

36% APR



Finance Charge for 14-day $100 loan

$1.39



APR for 14-day $100 loan

36%



Tennessee

Payday Loans are legal in Tennessee.

Payday Loan Terms & APR in Tennessee (TN)

Maximum Loan Amount

$425 ($500 check)



Max Loan Term

31 days



Maximum Finance Rate and Fees

15% of the face value of the check



Finance Charge for 14-day $100 loan

$17.65



APR for 14-day $100 loan

459%



Texas

Payday Loans are legal in Texas.

Payday Loan Terms & APR in Texas (TX)

Maximum Loan Amount

Not specified



Loan Term

Up to 180 days for CAB agreemen



Maximum Finance Rate and Fees

No cap on Credit Access Business fees. Lender interest capped at 10%.



Finance Charge for 14-day $100 loan

No cap.



APR for 14-day $100 loan

No cap. Regulator reports average cost 410%.



Utah

Payday Loans are legal in Utah.

Payday Loan Terms & APR in Utah (UT)

Maximum Loan Amount

No Limit



Loan Term

May not exceed 10 weeks



Maximum Finance Rate and Fees

No usury limit



Finance Charge for 14-day $100 loan

No Limit



APR for 14-day $100 loan

No Limit



Vermont

Payday Loans are prohibited in Vermont.

Payday Loan Terms & APR in Vermont (UT)

Maximum Loan Amount

N/A



Loan Term

N/A



Maximum Finance Rate and Fees

N/A



Finance Charge for 14-day $100 loan

N/A



APR for 14-day $100 loan

N/A



Virginia

Payday Loans are legal in Virginia.

Payday Loan Terms & APR in Virginia (VA)

Maximum Loan Amount

$500



Min Loan Term

2 pay periods



Maximum Finance Rate and Fees

36% annual interest + $5 verification fee + 20% of loan



Finance Charge for 14-day $100 loan

$26.38



APR for 14-day $100 loan

687.76%



Washington

Payday Loans are legal in Washington.

Payday Loan Terms & APR in Washington (WA)

Maximum Loan Amount

$700 or 30% of gross monthly income, whichever is less



Loan Term

Min. 7 days, Max 45 days.



Maximum Finance Rate and Fees

15%: first $500; 10%: remaining portion of the loan in excess of $500 up to the $700 maximum



Finance Charge for 14-day $100 loan

$15



APR for 14-day $100 loan

390%



West Virginia

Payday Loans are prohibited in West Virginia.

Payday Loan Terms & APR in West Virginia (WV)

Maximum Loan Amount

N/A



Loan Term

N/A



Maximum Finance Rate and Fees

N/A



Finance Charge for 14-day $100 loan

N/A



APR for 14-day $100 loan

N/A



Wisconsin

Payday Loans are legal in Wisconsin.

Payday Loan Terms & APR in Wisconsin (WI)

Maximum Loan Amount

Lesser of $1,500 including fees or 35% gross monthly income



Loan Term

90 days or less



Maximum Finance Rate and Fees

No Limit



Finance Charge for 14-day $100 loan

No Limit



APR for 14-day $100 loan

No Limit



Wyoming

Payday Loans are legal in Wyoming.

Payday Loan Terms & APR in Wyoming (WY)

Maximum Loan Amount

Not Specified



Max Loan Term

1 calendar month



Maximum Finance Rate and Fees

the greater of 20% per month or $30



Finance Charge for 14-day $100 loan

$30



APR for 14-day $100 loan

780%




Disclaimer About Fees & Charges

Slickcashloan.com is not a lender and never makes credit decisions. For this reason, the service cannot provide the users of the website with any information regarding the rates and fees associated with particular short-term loan products and the offers, provided by the lenders matched with the users of the website. However, slickcashloan.com is striving hard to ensure that the lenders in our network strictly adhere to all applicable international, federal, state and local regulations and laws and able to provide fair credit practices within the industry.

Short-term loans should be used as a temporary financial instrument and can become very expensive in case this financial product is used for additional terms. Usually, this credit is associated with relatively high financial charges, rates and fees. For this reason, the industry is heavily regulated on federal, state and local levels. Moreover, the number or organizations, either governmental or non-governmental, which provide control over the agents in this industry and establish the best practices and regulative procedures, steadily grow and develop.

In order to protect consumers from unfair lending practices, many states have implemented their own regulations in addition to federal laws. Individual states may govern the terms including but not limited to the maximum allowable loan amount, the charges that lenders are able to apply to loans, the number of rollovers (renewals) and term specifications that are available, the late fees that may be applied and the number of outstanding loans that consumer can have at a time. Follow the link to this official website and this resource to get all the necessary information regarding the regulations in your state. Please check back before applying, as these regulations are subject to changes at any time.

The states in which short-term cash loans are prohibited include but not limit to Arkansas, New York, Vermont and West Virginia. This list is not exhaustive and subject to changes at any time without prior notice. Please, check the official websites listed above to follow the changes in state regulations regarding short-term lending.

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