Regulations for payday lending differ across each state — from having no maximum rate to a 36% APR limit that prohibits these loans completely. Choose your state below to see the specific rate cap, borrowing limits, regulatory body, and more affordable options you can access.
Storefront and online payday lenders are licensed in these states. Big Daddy Loans connects applicants with lenders licensed here — and consistently presents lower-cost options as well.
Payday loans are permitted but have strict rate limits. Availability is restricted; other choices frequently provide better value.
Single-payment payday loans are unavailable; installment loans with longer terms are offered instead. We display these installment choices and other alternatives.
Payday lending is essentially banned due to a strict APR ceiling. Big Daddy Loans displays only permitted alternatives — such as PALs, EWA, and nonprofit assistance — for people living here.