Payday loan laws by state

2570+ Lenders
Alabama
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: 10-31 days
  • Fees and finance charges: 17.50%; 3%/month after default
  • Finance charge on a 14-day $100 loan: $17.50
  • APR on 14-day $100 loan: 456.25%
Collection restrictions:
  • Collection fees: A $30 NSF fee; court costs; attorney fees up to 15% of the face amount of check.
  • Criminal procedures: Prohibited (unless check returned due to closed account)
Debt limits:
  • Maximum no. of outstanding loans at a time: NA (maximum loan amount at a time: $500)
  • Rollovers allowed: One (rollover)
  • Cooling-off phase: Next business day once two continuous loans are repaid
  • Repayment plan: Available
Complaint cell:
  • Regulator: Alabama Banking Department
  • Address: P.O. Box 4600 Montgomery AL 36103
  • Phone: (334) 242-3452
  • Fax: (334) 353-5961
  • Regulatory contact: Arlene Baldwin, Consumer Services Specialist, Bureau of Loans.
  • Website: http://www.bank.state.al.us/
Popular Cities and Lenders in Alabama
241+ Lenders
Alaska
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: Minimum 14 days
  • Fees and finance charges: $5 + $15 or 15% on per $100; whichever is less.
  • Finance charge on a 14-day $100 loan: $20
  • APR on 14-day $100 loan: 520%
Collection restrictions:
  • Collection fees: A $30 NSF fee; court costs of up to $700 over the amount of the payment (if disclosed in loan agreement).
  • Criminal procedures: Prohibited (unless check returned due to closed account)
Debt limits:
  • Maximum no. of outstanding loans at a time: NA
  • Rollovers allowed: Two (renewals)
  • Cooling-off phase: Not specified
  • Repayment plan: Available
Complaint cell:
  • Regulator: Alaska Division of Banking and Securities
  • Address: P.O. Box 110807 Juneau AK 99811
  • Phone: Toll-Free: (888) 925-2521
  • Fax: (907) 465-2549
  • Regulatory contact: Patrice Walsh, Chief Examiner, (907) 269-5496, Section Chief.
  • Website: http://www.commerce.state.ak.us/bsc/
Popular Cities and Lenders in Alaska
2874+ Lenders
Arizona
  • Status: Prohibited (Consumer Lenders Act applies. Ariz. Rev. Stat. Ann. §§ 6-601 et seq.)
  • Small loan charges: 36% per year + 5% fee
Complaint cell:
  • Regulator: Arizona Department of Financial Institutions
  • Address: Financial Enterprises Division, 2910 N. 44th Street, Suite 310 Phoenix AZ 85018
  • Phone: Toll-free (800) 544-0708
  • Fax: (602) 381-1225
  • Regulatory contact: Robert Charlton, Assistant Superintendent of Financial Institutions.
  • Website: http://azdfi.gov/
Popular Cities and Lenders in Arizona
1244+ Lenders
Arkansas
  • Statutory citation: Ark. Const. Amend. 89 § 3.
  • Legal status: Prohibited (Check-Casher's Act, Ark. Code Ann. § 23-52-101, et seq. Repl. 2000 and Supp. 2003)
  • Small loan charges: 17% /year as per ballot in 2010
Complaint cell:
  • Regulator: Arkansas Attorney General
  • Address: Office of the Attorney General, 323 Center Street, Suite 200 Little Rock, Arkansas 72201
  • Phone: (501) 682 2007/ 1-800-482-8982
  • Racial Profiling Hotline Number: 1-877-AGO (246) - 4404
  • Regulatory contact: Robert Charlton, Assistant Superintendent of Financial Institutions.
  • Website: http://www.ag.arkansas.gov/
Popular Cities and Lenders in Arkansas
7961+ Lenders
California
Lending specifications:
  • Maximum loan amount: $300
  • Loan tenure: 31 days
  • Fees and finance charges: 15% of the face amount of the check
  • Finance charge on a 14-day $100 loan: $17.65
  • APR on 14-day $100 loan: 459%
Collection restrictions:
  • Collection fees: $15 NSF fee
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: Single
  • Rollovers allowed: None (cannot charge fee for extension)
  • Cooling-off phase: NA
  • Repayment plan: Voluntary (no fees may be charged in connection to the repayment plan)
Complaint cell:
  • Regulator: California Department of Corporations
  • Address: Consumer Services Office, 1515 K Street, Suite 200 Sacramento CA 95814-4052
  • Phone: (866) 275-2677 or 866 ASK CORP
  • Website: http://www.dbo.ca.gov/
Popular Cities and Lenders in California
2495+ Lenders
Colorado
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: Minimum 6 months
  • Fees and finance charges: 20%: $0-$300 + 7.5%: $301-$500 plus 45% on yearly interest plus monthly maintenance fee $7.50 per $100 borrowed, up to $30, after first month.
  • Finance charge on a 14-day $100 loan: NA
  • APR on 14-day $100 loan: NA
Collection restrictions:
  • Collection fees: $25 NSF fee; court fees; attorney's fees (should not exceed the loan amount)
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: No limit if total debt remains within $500 and 30-days between loans
  • Rollovers allowed: One renewal allowed at 45% rate
Complaint cell:
  • Regulator: Office of the Attorney General of Colorado and Department of Law
  • Address: 1525 Sherman St.; Denver, Colorado 80203
  • Phone: 303-866-4500
  • Fax: 303-866-5691
  • Website: http://www.coloradoattorneygeneral.gov/
Popular Cities and Lenders in Colorado
967+ Lenders
Connecticut
  • Status: Prohibited (Conn. Gen. Stat. §§ 36a-563 et seq.)
  • Small loan charges: 30.03% APR or $17 on per $100 up to $600; $11 per $100 up to $1,800
Complaint cell:
  • Regulator: Connecticut Department of Banking
  • Address: Constitution Plaza Hartford CT 06103-1800.
  • Phone: ((860) 240-8299/ 1-800-831-7225 (toll-free)
  • Regulatory Contact: Alan Cicchetti, Deputy Commissioner
  • Website: http://www.ct.gov/dob/site/default.asp
Popular Cities and Lenders in Connecticut
490+ Lenders
Delaware
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: Maximum 60 days
  • Fees and finance charges: Not specified
  • Finance charge on a 14-day $100 loan: No limit
  • APR on 14-day $100 loan: No limit
Collection restrictions:
  • Collection fees: One fee for nonpayment if the contract allows but should not exceed 5% of the payment amount.
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: Not Specified (cannot have more than $1000 in total)
  • Rollovers allowed: Four
  • Cooling-off phase: Not specified
  • Repayment plan: Not specified
Complaint cell:
  • Regulator: Delaware Office of the State Bank Commissioner
  • Address: 555 E. Loockerman Street; Suite 210 Dover; DE 19901
  • Phone: (302) 739-4235
  • Fax: (302) 739-3609
  • Website: http://banking.delaware.gov/
Popular Cities and Lenders in Delaware
2194+ Lenders
Florida
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: 7-31 days
  • Fees and finance charges: 10% of check + verification fee (max $5)
  • Finance charge on a 14-day $100 loan: $16.11
  • APR on 14-day $100 loan: 419%
Collection restrictions:
  • Collection fees: The charges imposed on the lender by any financial institution; lender not entitled to assume any damages.
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: Single
  • Rollovers allowed: None
  • Cooling-off phase: 24 hours
  • Repayment plan: Available
Complaint cell:
  • Regulator: Florida Office of Financial Regulation
  • Address: Division of Securities and Finance, 200 E. Gaines Street Tallahassee FL 32399
  • Phone: (850) 410-9805
  • Fax: (850) 410-9748
  • Website: http://www.flofr.com/
Popular Cities and Lenders in Florida
3160+ Lenders
Georgia
  • Statutory citation: Industrial loan act applies. Ga. Code Ann. § 7-3-14; §§ 16-17-1 et seq. Ga. Comp. R. & Regs. 80 3-1.02(7).
  • Legal status: Prohibited
Lending specifications:
  • Small Loan Rate Cap: Min. $3000 at 16% APR; 60% per year criminal usury cap
Complaint cell:
  • Regulator: Office of the Commissioner of Insurance, Georgia
  • Address: Industrial Loan Division, Two Martin Luther King, Jr. Drive West Tower, Suite 704 Atlanta GA 30334
  • Phone: (404) 656-2070
  • Fax: (404) 657-8542
  • Regulatory Contact: Ralph T. Hudgens, Industrial Loan Commissioner
  • Website: http://www.oci.ga.gov/IndustrialLoan/Home.aspx
Popular Cities and Lenders in Georgia
417+ Lenders
Hawaii
Lending specifications:
  • Maximum loan amount: $600
  • Loan tenure: 32 days
  • Fees and finance charges: 15% of check value
  • Finance charge on a 14-day $100 loan: $17.65
  • APR on 14-day $100 loan: 459%
Collection restrictions:
  • Collection fees: $20 NSF fee; check cashers can't recover damages from checks passed instead of insufficient funds.
  • Criminal procedures: Prohibited (Unless check returned due to closed account or stop-payment state)
Debt limits:
  • Maximum no. of outstanding loans at a time: One
  • Rollovers allowed: None (can't refinance or consolidate)
Complaint cell:
  • Regulator: Hawaii Department of Commerce and Consumer Affairs
  • Address: Consumer Resource Center, 235 S. Beretania Street, Rm 801 Honolulu HI 96813
  • Phone: (808) 587-3222
  • Fax: (808) 586-2640
  • Regulatory contact: Bruce B. Kim, Executive Director
  • Website: http://hawaii.gov/dcca
Popular Cities and Lenders in Hawaii
1013+ Lenders
Idaho
Lending specifications:
  • Maximum loan amount: $1000
  • Loan tenure: NA
  • Fees and finance charges: NA
  • Finance charge on a 14-day $100 loan: $17.50
  • APR on 14-day $100 loan: No limit
Collection restrictions:
  • Collection fees: $20 NSF fee
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: Not Specified
  • Rollovers allowed: Three (Renewals)
Complaint cell:
  • Regulator: Idaho Department of Finance
  • Address: Consumer Finance Bureau, 800 Park Blvd., Suite 200, Boise ID 83712
  • Phone: (208) 332-8000
  • Toll-Free (Within Idaho Only): 1-888-346-3378
  • Regulatory contact: Mike Larsen, Consumer Finance Bureau Chief
  • Website: http://finance.idaho.gov/
Popular Cities and Lenders in Idaho
2442+ Lenders
Illinois
Lending specifications:
  • Maximum loan amount: $1,000 or 25% of the consumer's gross monthly income, whichever is less
  • Loan tenure: 13-45 days
  • Fees and finance charges: $15.50 per $100
  • Finance charge on a 14-day $100 loan: $15.5
  • APR on 14-day $100 loan: 403%
Collection restrictions:
  • Collection fees: One $25 NSF fee
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: Two
  • Rollovers allowed: None
  • Cooling-off phase: 7 days after 45 consecutive loan days
  • Repayment plan: Available
Complaint cell:
  • Regulator: Illinois Division of Financial Institutions
  • Address: Consumer Credit Section, 320 W. Washington Springfield IL 62701
  • Phone: (888) 298-8089
  • Regulatory contact: Phil Sanson,, Acting Consumer Credit Assistant Supervisor
  • Website: http://www.idfpr.com/DFIdefault.asp
Popular Cities and Lenders in Illinois
1569+ Lenders
Indiana
Lending specifications:
  • Maximum loan amount: $50-$500 (may not exceed 20% of borrower's monthly gross income)
  • Loan tenure: 14 days min
  • Fees and finance charges: $0-$250=15%; $251-$400=13%; $401-$500=10%
  • Finance charge on a 14-day $100 loan: $15
  • APR on 14-day $100 loan: 390%
Collection restrictions:
  • Collection fees: One $25 NSF fee; conditions apply
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: Two (one per lender)
  • Rollovers allowed: None
  • Cooling-off phase: One week days after 6 consecutive loans
  • Repayment plan: After 3 consecutive loans, the lender must extend a payment plan of 4 equal installments without levying any extra costs.
Complaint cell:
  • Regulator: Indiana Department of Financial Institutions
  • Address: 30 South Meridian St., Suite 300 Indianapolis, Indiana 46204
  • Phone: 317-232-3955; (800)-382-4880
  • Regulatory contact: Mark Tarpey, Supervisor, Consumer Credit
  • Website: http://www.in.gov/dfi/
Popular Cities and Lenders in Indiana
1166+ Lenders
Iowa
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: Should not exceed 31 days
  • Fees and finance charges: Up to $100=15%; after that $10 on each $100
  • Finance charge on a 14-day $100 loan: $16.67
  • APR on 14-day $100 loan: 433%
Collection restrictions:
  • Collection fees: One $15 NSF fee
  • Criminal procedures: Not specified
Debt limits:
  • Maximum no. of outstanding loans at a time: Two
  • Rollovers allowed: None
Complaint cell:
  • Regulator: Iowa Division of Banking
  • Address: 200 East Grand Avenue, Suite 300 Des Moines, IA 50309
  • Phone:: (515) 281-4014
  • Fax: (515) 281-4862
  • Regulatory contact: Rodney Reed, Finance Bureau Chief
  • Website: http://www.idob.state.ia.us/
Popular Cities and Lenders in Iowa
1321+ Lenders
Kansas
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: 7-30 days
  • Fees and finance charges: 15% + administrative fees
  • Finance charge on a 14-day $100 loan: $15
  • APR on 14-day $100 loan: 390%
Collection restrictions:
  • Collection fees: One NSF fee
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: Two
  • Rollovers allowed: Not specified
Complaint cell:
  • Regulator: Office of the State Bank Commissioner
  • Address: Suite 300, Jayhawk Tower, 700 SW Jackson Street; Topeka, KS 66603-3796
  • Phone: (785) 296-2266
  • Fax: (785) 296-0168
  • Regulatory contact: Kevin C. Glendening,, Deputy Commissioner, Division of Consumer and Mortgage Lending
  • Website: http://www.osbckansas.org/
Popular Cities and Lenders in Kansas
1335+ Lenders
Kentucky
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: Should 14-60 days
  • Fees and finance charges: $15 per $100 on amount loaned + $1 database fee
  • Finance charge on a 14-day $100 loan: $17.65
  • APR on 14-day $100 loan: 459%
Collection restrictions:
  • Collection fees: 1 NSF fee (in case disclosed)
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: Two
  • Rollovers allowed: None
  • Cooling-off phase: None
Complaint cell:
  • Regulator: Kentucky Department of Financial Institutions (DFI)
  • Address: 1025 Capital Center Drive, Suite 200 Frankfort KY 40601
  • Phone: Toll-Free: (800) 223-2579
  • Fax: (502) 573-8787
  • Regulatory contact: Gary Davis; Branch Manager
  • Website: http://www.kfi.ky.gov/
Popular Cities and Lenders in Kentucky
1638+ Lenders
Louisiana
Lending specifications:
  • Maximum loan amount: $350
  • Loan tenure: 60 days
  • Fees and finance charges: 16.75% max. of amount loaned; $45 max fee; + $10 documentation fee
  • Finance charge on a 14-day $100 loan: $30
  • APR on 14-day $100 loan: 780%
Collection restrictions:
  • Collection fees: One NSF fee of actual bank charge (if revealed) + the superior of $25 or 5% of check (if revealed); Court Costs; attorney's fees
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: Not Specified
  • Rollovers allowed: None
Complaint cell:
  • Regulator: Louisiana Office of Financial Institutions (OFI)
  • Address: P.O. Box 94095 Baton Rouge LA 70804
  • Phone: Toll-Free: 888-525-9414 Direct: 225-925-4660
  • Regulatory contact: John J. Braud; Deputy Chief Examiner
  • Website: http://www.ofi.state.la.us/
Popular Cities and Lenders in Louisiana
356+ Lenders
Maine
  • Statutory citation: Me. Rev. Stat. tit. 9-A § 2-401.
  • Legal status: Prohibited (Permitted for supervised lenders)
Lending specifications:
  • Small loan charges: 30% per year on amounts up to $2,000. Else, $5 for amounts financed up to $75; $15 for $75.01-$249.99; or $25 for $250 or more.
Complaint cell:
  • Regulator: Maine Bureau of Consumer Credit Protection
  • Address: Department of Professional and Financial Regulation, 35 State House Station Augusta ME 04333
  • Phone: 207-624-8527
  • Fax: 207-582-7699
  • Toll free: 800-332-8529
  • Regulatory Contact: William N. Lund, Superintendent
  • Website: http://www.maine.gov/pfr/consumercredit/
Popular Cities and Lenders in Maine
1899+ Lenders
Maryland
  • Statutory citation: Md. Code Com. Law § 12-101 et seq.
  • Legal status: Prohibited
Lending specifications:
  • Small loan charges: 2.75% per month; 33% per year.
Complaint cell:
  • Regulator: Office of the Commissioner of Financial Regulation
  • Address: 500 N Calvert Street, Suite 402, Baltimore, Maryland 21202
  • Phone: 410-230-6100 or 888-784-0136
  • Fax: 410-333-3866 (Complaint Fax Number)
  • Regulatory Contact: Cynthia Jones, Assistant Commissioner
  • Website: http://www.dllr.state.md.us/finance/
Popular Cities and Lenders in Maryland
1046+ Lenders
Massachusetts
  • Statutory citation: Mass. Gen. Laws Ann. ch. 140 §§ 96 et seq.; 209 Mass. Code Regs. 26.01.
  • Legal status: Prohibited
Lending specifications:
  • Small loan charges: 23% plus $20 administrative fee upon the granting of a loan
Complaint cell:
  • Regulator: Division of Banks, Massachusetts
  • Address: 1000 Washington Street, 10th Floor, Boston, MA 02118-6400
  • Phone: (617) 956-1500
  • Fax: (617) 956-1599
  • Toll free: 800-495-2265
  • Regulatory contact: Jennifer DeWitt, Special Assistant to the Commissioner
  • Website: http://www.mass.gov/ocabr/government/oca-agencies/dob-lp/
Popular Cities and Lenders in Massachusetts
1608+ Lenders
Michigan
Lending specifications:
  • Maximum loan amount: $600
  • Loan tenure: Up to 31 days
  • Fees and finance charges: First $100=15%; second $100=14%; third $100=13%; fourth $100=12%; fifth $100=11%; sixth $100=11% + any database verification fee
  • Finance charge on a 14-day $100 loan: $15
  • APR on 14-day $100 loan: 390%
Collection restrictions:
  • Collection fees: One $25 NSF fee
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: One with licensee or many with any other licensee
  • Rollovers allowed: None
  • Repayment plan: Available
Complaint cell:
  • Regulator: Michigan Office of Financial and Insurance Regulation
  • Address: P.O. Box 30220 Lansing MI 48909
  • Phone: Toll-Free: 1-877-999-6442
  • Fax: (517) 335-4978
  • Regulatory contact: Deputy Chief Examiner
  • Website:: https://www.michigan.gov/difs
Popular Cities and Lenders in Michigan
1917+ Lenders
Minnesota
Lending specifications:
  • Maximum loan amount: $350
  • Loan tenure:: Max: 30 days
  • Fees and finance charges: $0-$50=$5.50; $51-$100=10%+$5; $101-$250=7% (min. $10) + $5; $251-$350=6% (min. $17.50) + $5
  • Finance charge on a 14-day $100 loan: $15
  • APR on 14-day $100 loan: 390%
Collection restrictions:
  • Collection fees: One $30 NSF fee
Debt limits:
  • Maximum no. of outstanding loans at a time: Not specified
  • Rollovers allowed: None
Complaint cell:
  • Regulator: Minnesota Department of Commerce
  • Address: Division of Financial Examinations, 85 7th Place East, Suite 500 St. Paul MN 55101
  • Phone: 651-296-4026
  • Fax: 651-297-1959
  • Regulatory contact: William Horlitz, Deputy Commissioner
  • Website: http://mn.gov/commerce/
Popular Cities and Lenders in Minnesota
1581+ Lenders
Mississippi
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: Below $250: 30 days max.; $250-$500: 28-30 days
  • Fees and finance charges: Below $250=$20 per $100 borrowed; $250-500=$21.95 per $100 borrowed
  • Finance charge on a 14-day $100 loan: $20
  • APR on 14-day $100 loan: 520%
Collection restrictions:
  • Collection fees: NSF fee + court-awarded fees (if disclosed)
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: Not specified
  • Rollovers allowed: None
Complaint cell:
  • Regulator: Mississippi Department of Banking and Consumer Finance
  • Address: 501 N. West Street; 901 Woolfolk Building Suite A; P.O. Box 23729; Jackson, MS 39225-3729
  • Phone: 601-359-1031
  • Fax: 601-359-3557
  • Regulatory contact: Brever McCallum, Administrative Assistant, Consumer Finance Division
  • Website: http://www.dbcf.state.ms.us/
Popular Cities and Lenders in Mississippi
1365+ Lenders
Missouri
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: Minimum of 14 days and a maximum of 31 days
  • Fees and finance charges: Not specified
  • Finance charge on a 14-day $100 loan: $75
  • APR on 14-day $100 loan: 1950%
Collection restrictions:
  • Collection fees: NSF fee & collection costs (including court costs & attorney fees)
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: Should not exceed $500 to any lender at a time
  • Rollovers allowed: Six
Complaint cell:
  • Regulator: Missouri Division of Finance (DIFP)
  • Address: Truman State Office Building, Room 630, Jefferson City, MO 65102
  • Phone: (573)751-3242
  • Fax: (573)751-9192
  • Regulatory contact: Joe Crider, Supervisor of Consumer Credit.
  • Website: http://finance.mo.gov/
Popular Cities and Lenders in Missouri
469+ Lenders
Montana
Lending specifications:
  • Maximum loan amount: $300
  • Loan tenure: 31 days
  • Fees and finance charges: 36% APR
  • Finance charge on a 14-day $100 loan: $1.39
Collection restrictions:
  • Collection fees: One $30 NSF fee
Complaint cell:
  • Regulator: Division of Banking & Financial Institutions (DOA)
  • Address: 301 South Park, Ste 316, PO Box 200546, Helena, MT 59620-0546
  • Phone: 406-841-2931
  • Regulatory contact: Chris Olson, Deputy Commissioner
  • Website: http://www.banking.mt.gov/
Popular Cities and Lenders in Montana
1005+ Lenders
Nebraska
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: Not more than 34 days
  • Fees and finance charges: $15 on every $100 borrowed
  • Finance charge on a 14-day $100 loan: $17.65
  • APR on 14-day $100 loan: 459%
Collection restrictions:
  • Collection fees: $15 NSF fee
Debt limits:
  • Maximum no. of outstanding loans at a time: Two
  • Rollovers allowed: None (cannot charge fee for extension)
Complaint cell:
  • Regulator: Nebraska Department of Banking & Finance (NDB&F)
  • Address: Financial Institutions Division, Commerce Court, Ste. 400, 1230 'O' Street, Lincoln, NE 68508-1402
  • Phone: (402)471-2171
  • Consumer hotline: (877) 471-3445
  • Regulatory contact: Karen Reynolds, Review Examiner
  • Website: http://www.ndbf.ne.gov/
Popular Cities and Lenders in Nebraska
1005+ Lenders
Nevada
Lending specifications:
  • Maximum loan amount: 25% of approx. gross monthly income
  • Loan tenure: 35 days
  • Fees and finance charges: Not Specified
  • Finance charge on a 14-day $100 loan: No limit
  • APR on 14-day $100 loan: No limit
Collection restrictions:
  • Collection fees: $25 dishonored check fee (up to two fees for insufficient funds & one fee for closed account); court costs & attorney fees
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: Not specified
  • Rollovers allowed: Not specified (Lenders cannot stretch payment period beyond 60 days)
  • Repayment plan: Yes
Complaint cell:
  • Regulator: Nevada Financial Institutions Division
  • Address: 2785 E. Desert Inn Rd. Suite 180 . Las Vegas, Nevada 89121
  • Phone: (702) 486-4120
  • Fax: (702) 486-4563
  • Regulatory contact: Paul Ashworth, Supervisory Examiner
  • Website: http://www.fid.state.nv.us/
Popular Cities and Lenders in Nevada
452+ Lenders
New Hampshire
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: 7-30 days
  • Fees and finance charges: 36% yearly interest
  • Finance charge on a 14-day $100 loan: $1.38
  • APR on 14-day $100 loan: 36%
Collection restrictions:
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: One
  • Rollovers allowed: None
  • Cooling-off phase: 60 days
  • Repayment plan: None
Complaint cell:
  • Regulator: New Hampshire State Banking Department
  • Address: 53 Regional Drive, Suite 200 Concord NH 03301
  • Phone: 603) 271-3561
  • Toll Free: 1-800-437-5991
  • Fax: (603) 271-1090 or (603) 271-0750
  • Regulatory contact: Glenn A. Perlow, Deputy Bank Commissioner
  • Website: http://www.nh.gov/banking/
Popular Cities and Lenders in New Hampshire
922+ Lenders
New Jersey
  • Statutory citation: N.J. Stat. Ann. 2C: 21-19.; N.J. Stat. Ann. 17:15A-47.
  • Legal status: Prohibited
Lending specifications:
  • Small loan charges: 30% per year
Complaint cell:
  • Regulator: Department of Banking and Insurance, New Jersey
  • Address: 20 West State Street, PO Box 325, Trenton, NJ 08625
  • Phone: 609-292-7272
  • Fax: 609-777-0508
  • Toll free: 1-800-446-7467
  • Website: http://www.state.nj.us/dobi/
Popular Cities and Lenders in New Jersey
1317+ Lenders
New Mexico
Lending specifications:
  • Maximum loan amount: $2500
  • Loan tenure: 14-35 days
  • Fees and finance charges: $15.50 on each $100; $.50 verification fee on each $100
  • Finance charge on a 14-day $100 loan: $16
  • APR on 14-day $100 loan: 416%
Collection restrictions:
  • Collection fees: $15 NSF fee/ loan
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time:Shouldn't exceed 25% of the consumer's gross monthly income
  • Rollovers allowed: None
  • Cooling-off phase: 10 days
  • Repayment Plan: Available
Complaint cell:
  • Regulator: New Mexico Financial Institutions Division
  • Address: 2550 Cerrillos Road, 3rd Floor; Santa Fe, NM 87505
  • Phone: (505) 476-4885
  • Fax: (505) 476-4670
  • Regulatory contact: Henry A. Vigil, Consumer Industry Manager
  • Website: http://www.rld.state.nm.us/financialinstitutions/
Popular Cities and Lenders in New Mexico
2005+ Lenders
New York
  • Statutory citation: N.Y. Banking Law 340 et seq.; N.Y. Banking Law 373.; N.Y. Penal Code 190.40.
  • Legal status: Prohibited
Lending specifications:
  • Small loan charges: 25% per year
Complaint cell:
  • Regulator: New York State Banking Department
  • Address: 1 State St, New York, NY 10004
  • Phone: 212-480-6400
  • Toll free: 1-800-342-3736
  • Regulatory contact: Dianne E. Dixon, Deputy Superintendent of Consumer Services
  • Website: http://www.dfs.ny.gov/
Popular Cities and Lenders in New York
2291+ Lenders
North Carolina
  • Statutory citation: N.C. Gen. Stat. 53-173
  • Legal status: Prohibited
Lending specifications:
  • Small loan charges: 36% per year
Complaint cell:
  • Regulator: North Carolina Attorney General (See also Commissioner of Banks)
  • Address: 9001 Mail Service Center Raleigh NC 27699-9001
  • Phone: (919) 716-6400
  • Website: http://www.ncdoj.com/
Popular Cities and Lenders in North Carolina
446+ Lenders
North Dakota
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: Maximum 60 days
  • Fees and finance charges: 20% + database fees
  • Finance charge on a 14-day $100 loan: $20
  • APR on 14-day $100 loan: 520%
Collection restrictions:
  • Collection fees: $20 NSF fee (only if disclosed)
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: Not Specified
  • Rollovers allowed: One
  • Cooling-off phase: 72 hours
Complaint cell:
  • Regulator: Department of Financial Institutions (North Dakota)
  • Address: 2000 Schafer Street, Suite G Bismarck; ND 58501-1204
  • Phone: (701) 328-9935
  • Fax: (701) 328-0290
  • Regulatory contact: Aaron Webb, Assistant Commissioner
  • Website: http://www.nd.gov/dfi/
Popular Cities and Lenders in North Dakota
3003+ Lenders
Ohio
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: Maximum 31 days
  • Fees and finance charges: An annual interest rate of 28%
  • Finance charge on a 14-day $100 loan: $1.08
  • APR on 14-day $100 loan: 28%
Collection restrictions:
  • Collection fees: $20 collection charge; bank charges (if disclosed); court costs after default
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: Four in a year
  • Rollovers allowed: None
  • Cooling-off phase: 2 in 90 days
  • Repayment plan: Available (of 60 days)
Complaint cell:
  • Regulator: Division of Financial Institutions, Department of Commerce
  • Address: 77 South High Street, 21st Floor, Columbus; OH 43215-6120
  • Phone: (614) 728-8400
  • Fax: (614) 728-0380
  • Tollfree: 1-866-278-0003
  • Regulatory contact: Robert M. Grieser, Deputy Superintendent
  • Website: http://www.nd.gov/dfi/
Popular Cities and Lenders in Ohio
2020+ Lenders
Oklahoma
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: 12 - 45 days
  • Fees and finance charges: $15 for every $100 (up to $300); an additional $10 on every $100 advanced after $300
  • Finance charge on a 14-day $100 loan: $15
  • APR on 14-day $100 loan: 390%
Collection restrictions:
  • Collection fees: $25 NSF fee (if disclosed)
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: Two
  • Rollovers allowed: None
  • Cooling-off phase: Second business day after the 5th consecutive loan repaid
  • Repayment plan: Available
Complaint cell:
  • Regulator: Oklahoma Department of Consumer Credit
  • Address: 3613 NW 56th Street, Suite 240, Oklahoma City, Oklahoma 73112-4512
  • Phone: (405) 521-3653
  • Fax: (405) 521-6740
  • Tollfree: (800) 448-4904 (In-state)
  • Regulatory contact: Jack R. Stone, Deputy Administrator
  • Website: http://www.ok.gov/okdocc/
Popular Cities and Lenders in Oklahoma
1851+ Lenders
Oregon
Lending specifications:
  • Maximum loan amount: Not Specified
  • Loan tenure: 31 - 60 days
  • Fees and finance charges: 36% APR; $10 as fee on every $100 advanced (up to $30)
  • Finance charge on a 31-day $100 loan: $13
  • APR on 31-day $100 loan: 156%
Collection restrictions:
  • Collection fees: $20 NSF fee and bank charges
  • Criminal procedures: None (only civil penlties)
Debt limits:
  • Maximum no. of outstanding loans at a time: No limit
  • Rollovers allowed: Two
  • Cooling-off phase: 7 days (before or after the loan expires)
Complaint cell:
  • Regulator: Department of Consumer and Business Services
  • Address: 350 Winter Street NE; PO Box 14480; Salem, OR 97309-0405
  • Phone: 503-378-4100
  • Fax: 503-378-6444
  • Regulatory contact: Michael McCord, Program Manager
  • Website: http://www.oregon.gov/DCBS/Pages/
Popular Cities and Lenders in Oregon
1896+ Lenders
Pennsylvania
  • Statutory citation: Check cashers are specifically prohibited (63 Penn Stat. Ann. § 2325.)
  • Legal status: Prohibited
Lending specifications:
  • Small loan charges: $9.50 per year on each $100 + service charge of $1.50 on every $100
Complaint cell:
  • Regulator: Pennsylvania Department of Banking and Securities
  • Address: 17 North 2nd Street, Suite 1300, Harrisburg, PA 17101-2290
  • Phone: 609-292-7272
  • Fax: 717-787-8773
  • Toll free: 1.800.PA.BANKS (toll-free in PA)
  • Website: http://www.dobs.pa.gov/Pages/default.aspx
Popular Cities and Lenders in Pennsylvania
391+ Lenders
Rhode Island
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: 13 days
  • Fees and finance charges: 10%
  • Finance charge on a 14-day $100 loan: $10
  • APR on 14-day $100 loan: 260%
Collection restrictions:
  • Collection fees: Not Specified
  • Criminal procedures: Not Specified
Debt limits:
  • Maximum no. of outstanding loans at a time: 3*$500
  • Rollovers allowed: One
Complaint cell:
  • Regulator: Rhode Island Department of Business Regulation
  • Address: Division of Banking, 233 Richmond Street, Suite 231 Providence RI 02903
  • Phone: (401) 222-2405
  • Fax: (401) 222-5628
  • Regulatory contact: Dennis F. Ziroli, Assoc. Director & Supt.
  • Website: http://www.dbr.state.ri.us/
Popular Cities and Lenders in Rhode Island
2014+ Lenders
South Carolina
Lending specifications:
  • Maximum loan amount: $550
  • Loan tenure: 31 days
  • Fees and finance charges: 15% of principal
  • Finance charge on a 14-day $100 loan: $15
  • APR on 14-day $100 loan: 390%
Collection restrictions:
  • Collection fees: NSF fee of $10 or actual charge (the lesser one)
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: Not Specified
  • Rollovers allowed: None
Complaint cell:
  • Regulator: South Carolina State Board of Financial Institutions
  • Address: Consumer Finance Division, 3rd Floor, Edgar Brown Building, 1205 Pendleton St., Columbia, SC 29201
  • Phone: 803-734-2020
  • Fax: 803 734-2025
  • Regulatory contact: Jim Copeland, Assistant Commissioner of Consumer Finance
  • Website:http://www.bofi.sc.gov/Pages/ConsumerFinance.aspx
Popular Cities and Lenders in South Carolina
494+ Lenders
South Dakota
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: Not specified
  • Fees and finance charges: Not specified
  • Finance charge on a 14-day $100 loan: No Limit
  • APR on 14-day $100 loan: No Limit
Collection restrictions:
  • Collection fees: Not specified
  • Criminal procedures: Not specified
Debt limits:
  • Maximum no. of outstanding loans at a time: Not Specified
  • Rollovers allowed: Four
Complaint cell:
  • Regulator: South Dakota Division of Banking
  • Address: Division of Banking, 1601 N. Harrison Avenue, Suite 1, Pierre, SD 57501
  • Phone: 605-773-3421
  • Fax: 866-326-7504
  • Regulatory contact: Jim Copeland, Assistant Commissioner of Consumer Finance
  • Website: http://dlr.sd.gov/banking/default.aspx
Popular Cities and Lenders in South Dakota
3424+ Lenders
Tennessee
Lending specifications:
  • Maximum loan amount: $425 ($500 on check)
  • Loan tenure: Max: 31 days
  • Fees and finance charges: 15% of the face value of the check
  • Finance charge on a 14-day $100 loan: $17.65
  • APR on 14-day $100 loan: 459%
Collection restrictions:
  • Collection fees: Court fees
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: 3 (2 on each licensee)
  • Rollovers allowed: None
Complaint cell:
  • Regulator: Consumer Resources Division, Tennessee Department of Financial Institutions (TDFI)
  • Address: 414 Union Street, Suite 1000, Nashville Tennessee 37219
  • Phone: (615) 253-2023
  • Fax: (615) 253-7794
  • Toll-free: 1-800-778-4215
  • Regulatory contact: Alan Smith , Director
  • Website: https://www.tn.gov/tdfi/
Popular Cities and Lenders in Tennessee
5540+ Lenders
Texas
Lending specifications:
  • Maximum loan amount: Not specified
  • Loan tenure: 7-31 days
  • Fees and finance charges: May not exceed rates authorized in Tex. Fin. Code §§ 342.251-342.259. 7 Tex. Admin Code § 83.604; maximum APRs for payday loans range from 83.43% for a 30-day $350 loan to 569.92% for a 7-day $100 loan.
  • Finance charge on a 14-day $100 loan: $11.87
  • APR on 14-day $100 loan: 309.47%
Collection restrictions:
  • Collection fees: Not specified
  • Criminal procedures: Not specified
Debt limits:
  • Maximum no. of outstanding loans at a time: Not Specified ($500 overall outstanding to all licensees)
  • Rollovers allowed: None
Complaint cell:
  • Regulator: Texas Office of Consumer Credit Commissioner
  • Address: 2601 N. Lamar Blvd., Austin, Texas 78705
  • Phone: (512) 936 7600
  • Toll-free: 800 538 1579
  • Website: http://www.occc.state.tx.us/
Popular Cities and Lenders in Texas
1352+ Lenders
Utah
Lending specifications:
  • Maximum loan amount: No limit
  • Loan tenure: Max. 10 weeks
  • Fees and finance charges: No limit
  • Finance charge on a 14-day $100 loan: No limit
  • APR on 14-day $100 loan: No limit
Collection restrictions:
  • Collection fees: Not specified
  • Criminal procedures: Not specified
Debt limits:
  • Maximum no. of outstanding loans at a time: No limit
  • Rollovers allowed: Not Specified (cannot extend or renew loans that pass the 10 weeks period)
  • Cooling-off period: None
  • Repayment Plan: Yes
Complaint cell:
  • Regulator: Utah Department of Financial Institutions (DFI)
  • Address: 324 South State Street, Suite 201, Salt Lake City, Utah 84111
  • Phone: (801) 538-8830
  • Toll-free: (801) 538-8894
  • Regulatory contact: Eva Rees, Supervisor of Consumer Credit and Compliance
  • Website: http://www.dfi.utah.gov/
Popular Cities and Lenders in Utah
176+ Lenders
Vermont
  • Statutory citation: Vt. Stat. Ann. tit. 9 § 41a.
  • Legal status: Prohibited
Lending specifications:
  • Small loan charges: 18% a year
Complaint cell:
  • Regulator: Vermont Banking Division
  • Address: Department of Financial Regulation, 89 Main Street, Montpelier, VT 05620 3101
  • Phone: 1.888.568.4547
  • Website: http://www.dfr.vermont.gov/banking/home
Popular Cities and Lenders in Vermont
1385+ Lenders
Virginia
Lending specifications:
  • Maximum loan amount: $500
  • Loan tenure: Min: 2 pay periods
  • Fees and finance charges: 36% APR + $5 for verification + 20% of loan
  • Finance charge on a 14-day $100 loan: $26.38
  • APR on 14-day $100 loan: 687.76%
Collection restrictions:
  • Collection fees: $25 NSF fee; court costs; reasonable attorney fees (should not exceed $250)
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: One
  • Rollovers allowed: None (cannot refinance, renew, or extend)
  • Cooling-off period: 1 day after repayment; 45 days after 5th loan within 180 day period; 90 days after payment plan
  • Repayment Plan: Available
Complaint cell:
  • Regulator: Virginia Bureau of Financial Institutions
  • Address: State Corporation Commission, 1300 East Main Street, Suite 800 Post Office Box 640 Richmond VA 23218-0640
  • Phone: (804) 371-9657
  • Fax: (804) 371-9416
  • Toll-free: 1-800-552-7945 (within Virginia)
  • Regulatory contact: Susan E. Hancock, Deputy Commissioner, Consumer Finance
  • Website: http://www.scc.virginia.gov/bfi/index.aspx
Popular Cities and Lenders in Virginia
2258+ Lenders
Washington
Lending specifications:
  • Maximum loan amount: $700 or 30% of gross monthly income, whichever is smaller
  • Loan tenure: Max: 45 days
  • Fees and finance charges: 15% on first $500; extra 10% on remaining portion of the loan in excess of $500 & up to $700
  • Finance charge on a 14-day $100 loan: $15
  • APR on 14-day $100 loan: 390%
Collection restrictions:
  • Collection fees: $25 NSF fee, other costs (excluding attorney's fees, interest and damages)
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: A company cannot hold any check for the face value of more than $700 plus allowable fees from any borrower
  • Rollovers allowed: None
  • Cooling-off period: 1 day after repayment; 45 days after 5th loan within 180 day period; 90 days after payment plan
  • Repayment plan: Available (no extra cost if they notify lender on or before the loan is due)
Complaint cell:
  • Regulator: Washington State Department of Financial Institutions (DFI)
  • Address: PO Box 41200, Olympia WA 98504-1200
  • Phone: (360) 902-8700/(360) 902-8703
  • Fax: (360) 664-2258
  • Toll-free: 1-877-RING DFI (746-4334)
  • Regulatory contact: Deborah Bortner, Director of Consumer Services
  • Website: http://www.dfi.wa.gov/
Popular Cities and Lenders in Washington
408+ Lenders
West Virginia
  • Statutory citation: W. Va. Code § 46A-4-107 and §§ 32A-3-1 et seq.
  • Legal status: Prohibited
Lending specifications:
  • Small loan charges: 31% per year on loans of up to $2,000
Complaint cell:
  • Regulator: Office of West Virginia Attorney General
  • Address: West Virginia State Capitol Building 1, Room 26-E Charleston, WV 25305
  • Phone: (304) 558-8986
  • Fax: (304) 558-0184
  • Toll free: 1-800-368-8808 (Toll Free Consumer Hotline)
  • Website: http://www.wvago.gov/
Popular Cities and Lenders in West Virginia
1849+ Lenders
Wisconsin
Lending specifications:
  • Maximum loan amount: $1,500 including fees or 35% gross monthly income; which is lesser
  • Loan tenure: 90 days or less
  • Fees and finance charges: No limit
  • Finance charge on a 14-day $100 loan: No limit
  • APR on 14-day $100 loan: No limit
Collection restrictions:
  • Collection fees: $15 NSF fee
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: No limit
  • Rollovers allowed: One
  • Cooling-off period: 24 hours after paying renewed loans
  • Repayment plan: Available (4 equal installments at no additional cost)
Complaint cell:
  • Regulator: Wisconsin Department of Financial Institutions
  • Address: Wisconsin Consumer Act Section, P.O. Box 8041 Madison WI 53708
  • Phone: (608) 261-9555
  • Fax: (608) 261-7200
  • Regulatory contact: Paul Egide, Consumer Act Director
  • Website: www.wdfi.org
Popular Cities and Lenders in Wisconsin
371+ Lenders
Wyoming
Lending specifications:
  • Maximum loan amount: Not Specified
  • Loan tenure: One month
  • Fees and finance charges: 20% each month or $30 (whichever is higher)
  • Finance charge on a 14-day $100 loan: $30
  • APR on 14-day $100 loan: 780%
Collection restrictions:
  • Collection fees: Not mentioned
  • Criminal procedures: Prohibited
Debt limits:
  • Maximum no. of outstanding loans at a time: Not specified
  • Rollovers allowed: None
Complaint cell:
  • Regulator: Wyoming Division of Banking
  • Address: Herschler Building, 3rd Floor East, 122 West 25th Street; Cheyenne, WY 82002
  • Phone: (307) 777-7797
  • Fax: (307) 777-3555
  • Regulatory contact: Joe Mulberry, Deputy Commissioner
  • Website: http://audit.state.wy.us/banking/
Popular Cities and Lenders in Wyoming