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Borrow with the facts on your side.

Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.

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Your CU Partner: Small-Loan Rules and Real Costs by State

Payday loans, cash advances, installment and tribal loans follow different rules in every state. Check what is legal where you live, what a loan really costs in dollars, and where to find licensed lenders and credit unions near you.

States covered
50
City pages
1,236
Loan offices
8,510
Credit unions
4,250
Loan guides

Four ways to borrow a small amount

Payday Loans Two-week loans repaid from your next paycheck. Limits, fees and rollover rules for every state and 1,200+ cities. 27 states allow payday loans Cash Advance Storefront advances, credit card cash advances, paycheck apps and credit union PALs compared by cost. 1,236 city guides Installment Loans Fixed monthly payments over months or years. APR caps for $500, $2,000 and $10,000 loans, plus a payment calculator. 32 states cap a $2,000 loan at 36% APR or less Tribal Loans Online lenders that claim state law doesn't apply. How to check a lender and protect your bank account. 23 states cap rates for all lenders
State rules

Pick your state

Compare all states

One page per state: payday limits, installment APR caps, online lender rules and the regulator to call.

Local directories

Find lenders, banks and credit unions near you

8,510 loan offices Loan Companies → 4,250 credit unions Credit Unions → 76,905 bank branches Banks → 8,948 pawn shops Pawn Shops →
Guides

How much will it cost in your city?

All guides
$500 Payday Loans in Houston, TX Yes, you can get a $500 payday loan in Houston, Texas, where lenders operate under the Credit Services Organization model with no statewide fee... $300 Payday Loans in Los Angeles, CA Yes, you can get a $300 payday loan in Los Angeles, California, but $300 is the maximum check face value allowed by state law. Because the lender... $500 Payday Loans in Las Vegas, NV Yes, you can get a $500 payday loan in Las Vegas, Nevada, provided that $500 does not exceed 25% of your gross monthly income. Because Nevada... $500 Payday Loans in Nashville, TN Yes, you can get a payday loan up to a $500 check limit in Nashville, Tennessee, where state law caps fees at 15% of the check amount and bans... $200 Cash Advance in Phoenix, AZ Payday loans are not allowed in Phoenix, Arizona, because state usury law caps rates at 36% APR. To get a $200 cash advance legally in Phoenix,... $300 Cash Advance in Indianapolis, IN Yes, you can get a $300 cash advance in Indianapolis, Indiana, through a state-licensed payday lender, a credit card, a cash advance app, or a...
Education center

Four steps before you borrow

  1. STEP 1

    Check your state

    Find out if the loan is legal where you live and which law applies.

  2. STEP 2

    Know the total cost

    Look at dollars repaid and APR, not just the fee.

  3. STEP 3

    Verify the license

    Only borrow from lenders licensed in your state.

  4. STEP 4

    Keep your regulator's number

    If a lender breaks the rules, you know where to file a complaint.

About us

An independent map of a legal maze

Your CU Partner is not a lender, broker or financial adviser. We read state laws and regulator notices so you don't have to.