Laws of all States on payday loans

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State Min./max
term Min./max
loan Maximum
fee Cost/$100 Effective
14-day
apr*
Alabama 10/31 days no min./$500 17.5% of loan $17.50 455%
Alaska 14/-- days no min./$500 15% + $5 fee $20 520%
Arizona 5/-- days $50-$500 15% of ck ** $17.65 459%
Arkansas 6/31 days no min./$400 ck 10% + $10 $22.22 579%
California --/30 days no min./$300 ck 15% of ck $17.65 459%
Colorado --/40 days no min./$500 20% first $300; 7.5% >$300 $20 520%
Delaware --/59 days no min./$500 No limit No limit No limit
Florida 7/31 days no min./$500 10% + $5 fee $15 390%
Hawaii --/32 days no min./$600 ck 15% of ck $17.65 459%
Idaho NA no min./$1,000 No limit No limit No limit
Illinois -- eff. 12/6/05 13/120 days no min./$400 $15.50 per $100 $15.50 403%
Indiana 14/-- days $50/$500 15% of first $250; 13% $250.01 to $400; 10% $400.01 to $500 $15 390%
Iowa --/31 days no min./$500 ck $5 + 10% ck/first $100; $10/$100 $16.67 435%
Kansas 7/30 days no min./$500 $15 per $100 $15 390%
Kentucky 14/60 days no min./$500 ck $15 per $100 ck for 14 days $17.65 459%
Louisiana --/60 days no min./$350 16.75% ck; $45 max fee $20 520%
Minnesota --/30 days no min./$350 Ranges from $5.50 for loans up to $50 to 6% + $5 for loans $250 to $350 $15 390%
Mississippi --/30 days no min./$400 ck 18% ck $22 572%
Missouri 14/31 days no min./$500 75% of loan*** $75 1,980%
Montana --/31 days $50/$300 25% of loan $25 650%
Nebraska --/31 days no min./$500 ck 15% per $100 $17.65 459%
Nevada NA No more than one-third of net monthly income No limit No limit No limit
New Hampshire 7/30 days no min./$500 No limit No limit No limit
New Mexico NA NA No limit No limit No limit
North Dakota --/60 days no min./$600 20% of loan $20 520%
Ohio --/6 months no min./$800 5% + $5/$50; 5% + $3.75 over $500 $15 390%
Oklahoma 12/45 days no min./$500 15% up to $300; 10% $300 to $500 $15 390%
Oregon --/60 days No more than 25% of net monthly income No limit No limit No limit
Rhode Island 13/--- $500 15% ck $15 390%
South Carolina --/31 days no min./$300 15% ck $17.65 459%
South Dakota NA no min./$500 No limit No limit No limit
Tennessee --/31 days no min./$500 ck $15 ck $17.65 459%
Texas 7/31 days $100-$350 48% APR + $10 monthly fee $11.87 309%
Utah NA no min./12 weeks No limit No limit No limit
Virginia 7/-- days no min./$500 15% $15 390%
Washington --/45 days no min./$700 15% up to $500; 10% $500-$700 $15 390%
Wisconsin NA NA No limit No limit No limit
Wyoming --/30 days NA $30 or 20%, whichever is greater $30 780%
Washington, D.C. --/31 days $50/$1,000 10% + fee of $5 to $20 based on the amount of loan $16.10 419%

Approximate APR without compounding.
"ck" denotes the loaned amount plus finance charges.
Total accumulated interest capped at 75 percent of initial loan amount for entire term of loan and up to six renewals.