Rates and Fees by State
Select Your State:
Alabama Payday State Loan Terms
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
456.25%
Alaska State Payday Loan Terms
Maximum Loan Amount
$500
Loan Term
Min: 14 days
Maximum Finance Rate and Fees
$5 + the lesser of $15 per $100 or 15%
Finance Charge for 14-day $100 loan
$20
APR for 14-day $100 loan
520%
Arizona State Payday Loan Terms
Payday loans are not allowed in Arizona. Please choose a different state.
Arkansas State Payday Loan Terms
Payday loans are not allowed in Arkansas. Please choose a different state.
California State Payday Loan Terms
Maximum Loan Amount
$255 if maximum fee charged ($300 maximum check)
Max Loan Term
31 days
Maximum Finance Rate and Fees
15%
Finance Charge for 14-day $100 loan
$17.65
APR for 14-day $100 loan
459%
Colorado State Payday Loan Terms
Payday loans are not allowed in Colorado. Please choose a different state.
Connecticut State Payday Loan Terms
Payday loans are not allowed in Connecticut. Please choose a different state.
Delaware State Payday Loan Terms
Maximum Loan Amount
$1000
Loan Term
Less than 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
D.C. State Payday Loan Terms
Payday loans are not allowed in D.C. Please choose a different state.
Florida State Payday Loan Terms
Maximum Loan Amount
$500
Loan Term
7-31 days
Maximum Finance Rate and Fees
10% of check + verification fee not to exceed $5
Finance Charge for 14-day $100 loan
$16.11
APR for 14-day $100 loan
419%
Georgia State Payday Loan Terms
Payday loans are not allowed in Georgia. Please choose a different state.
Hawaii State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
Payday loans are not allowed in Maryland. Please choose a different state.
Massachusetts State Payday Loan Terms
Payday loans are not allowed in Massachusetts. Please choose a different state.
Michigan State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
Payday loans are not allowed in New Jersey. Please choose a different state.
New Mexico State Payday Loan Terms
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 State Payday Loan Terms
Payday loans are not allowed in New York. Please choose a different state.
North Carolina State Payday Loan Terms
Payday loans are not allowed in North Carolina. Please choose a different state.
North Dakota State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
Payday loans are not allowed in Pennsylvania. Please choose a different state.
Rhode Island State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
Payday loans are not allowed in Vermont. Please choose a different state.
Virginia State Payday Loan Terms
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 State Payday Loan Terms
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 State Payday Loan Terms
Payday loans are not allowed in West Virginia. Please choose a different state.
Wisconsin State Payday Loan Terms
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 State Payday Loan Terms
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.
