What States are Payday Loans Illegal?

Are Payday Loans Illegal in my State?

If you are interested in obtaining a payday loan or cash advance, you should first check to see if the loan is legal in the state you reside.

Individual states are primarily responsible for the regulation of payday loan companies and other lending institutions. Payday loans are totally legal in 37 US states.  In the other 13 states, payday loans are either illegal or are subject to state laws that make obtaining one very difficult.

Currently, payday loans are illegal (or very highly regulated) in the following states:

  • Arizona
  • Arkansas
  • Colorado
  • Connecticut
  • Georgia
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • North Carolina
  • Pennsylvania
  • Vermont
  • West Virginia