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.
Loan Guides
Short, practical guides to one question: how do you get a specific amount in a specific city, what will it cost under that state's law, and what is the cheaper option? Every guide uses the state rules and local numbers from our database. Your CU Partner is not a lender or broker and does not make loan decisions.
Payday loans
$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 cap. Before borrowing, compare the high two-week cost against a 6-month credit union loan or a regulated installment loan.
$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 deducts up to a 15% fee from that $300 check, you walk away with $255 in cash.
$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 places no strict state cap on payday interest rates, typical APRs exceed 652%.
$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 rollovers. Compare that short-term expense against a 6-month credit union PAL before you sign.
Cash advance
$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, you can use a credit union PAL, a credit card cash advance, a paycheck advance app, or a state-licensed consumer lender.
$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 credit union PAL. Because a two-week payday advance costs about $44 to $45 in fees, comparing all four channels first can save you money.
$400 Cash Advance in Jacksonville, FL
Yes, you can get a $400 cash advance in Jacksonville, Florida, where state law caps single-payment payday fees at 10% of the advance plus a $5 verification fee. For a two-week $400 advance, the maximum state fee is $45 (about 292% APR).
Installment loans
$2,000 Installment Loan in Atlanta, GA
Yes, you can get a $2,000 installment loan in Atlanta, Georgia, where state law caps the maximum APR for a loan of this size at 32%. Over a 24-month term at the 32% state maximum, you will pay $114 per month and $733 in total interest and fees.
$1,000 Installment Loan in San Antonio, TX
Yes, you can get a regulated $1,000 installment loan in San Antonio, Texas, under Texas Finance Code Chapter 342, where the state maximum APR for this loan size is 35%. Over 12 months at 35% APR, your monthly payment is $99.96 and total interest and fees equal $200.
$5,000 Installment Loan in Oklahoma City, OK
Yes, you can get a $5,000 installment loan in Oklahoma City, Oklahoma, where state law caps the APR for a loan of this size at about 27%. Over 36 months at that state maximum, your monthly payment is $204 and total interest and fees reach $2,349.
Tribal loans
$1,000 Tribal Loans in Philadelphia, PA
Online tribal lenders advertise $1,000 loans to Philadelphia residents, but their triple-digit interest rates conflict directly with Pennsylvania law, which bans payday lending and caps licensed consumer loans at 24% APR. An example $1,000 tribal loan at 650% APR costs $3,439 in total payments over 6 months.
$500 Tribal Loans in Memphis, TN
Online tribal lenders offer $500 installment loans to Memphis residents without holding a Tennessee license by claiming tribal sovereign immunity. In an example $500 tribal loan at 650% APR over 6 months, you pay $132 every two weeks and $1,720 in total—compared to $62 in total cost for a 6-month credit union PAL.
$1,500 Tribal Loans in Denver, CO
Online tribal lenders market $1,500 loans to Denver residents at triple-digit rates that conflict with Colorado law, where Proposition 111 caps payday loans at 36% APR and a $2,000 installment loan is capped at 31% APR. An example $1,500 tribal loan at 650% APR costs $5,159 in total payments over 6 months.