Rates & Fees by State
Published state rules for every jurisdiction we cover — caps, fee regimes, terms, and a worked cost example.
The table below reflects published state rules for every jurisdiction this site covers: the maximum loan amount, the fee regime, permitted terms, and a worked cost example for a minimum-size advance. Regulators audit and update these figures; we refresh the table on the same cycle and date-stamp each change. APR examples are annualized from short-term fees — they describe the cost of time, not a yearly bill.
| State | Max loan | Fee regime | Term | Typical cost | Approx. APR |
|---|---|---|---|---|---|
| Alabama | $500 | 17.5% of loan amount ($17.50 per $100) | 10-31 days | $300 costs $352.5 | ~456% |
| Alaska | $500 | 15% of face value + $5 fee | 14-30 days | $300 costs $350 | ~435% |
| California | $300 (Max Check Amount) | 15% of face value ($17.65 per $100 advanced) | Max 31 days | $300 costs $345 | ~460% |
| Colorado | $500 | 36% APR Cap | 6 months min | $300 costs $308.88 | Max 36% |
| Delaware | $1,000 | No fee cap (set by contract) | Max 60 days | $300 costs $345 | ~391% - ~520% |
| Florida | $500 | 10% of loan amount + $5 verification fee | 7-31 days | $300 costs $335 | ~304% |
| Hawaii | N/A | 36% APR Cap | N/A | — | Max 36% |
| Idaho | $1,000 | No fee cap (set by contract) | Max 31 days | $300 costs $360 | ~521% |
| Illinois | N/A | 36% APR Cap | N/A | — | Max 36% |
| Indiana | $550 | 15% on first $250, 13% on $250-$400, 10% on $400-$550 | 14-31 days | $300 costs $344 | ~382% |
| Iowa | $500 | $15 on first $100, plus $10 per additional $100 | Max 31 days | $300 costs $335 | ~304% |
| Kansas | $500 | 15% of cash advance ($15 per $100) | 7-30 days | $300 costs $345 | ~391% |
| Kentucky | $500 | $15 per $100 advanced + $1 database fee | 14-60 days | $300 costs $346 | ~400% |
| Louisiana | $350 | 16.75% of check amount ($16.75 per $100) + $10 documentation fee | Max 30 days | $300 costs $360.25 | ~523% |
| Maine | N/A | 36% APR Cap | N/A | — | Max 36% |
| Michigan | $600 | 15% on first $100, 14% on 2nd $100, 13% on 3rd $100, 12% on 4th $100, 11% on 5th & 6th $100 | Max 31 days | $300 costs $342 | ~365% |
| Minnesota | $350 | 36% APR Cap | Max 30 days | — | Max 36% |
| Mississippi | $500 | $20 per $100 advanced | Max 30 days | $300 costs $360 | ~521% |
| Missouri | $500 | 75% of initial principal limit for interest/fees combined | 14-31 days | $300 costs $345 | ~443% |
| Montana | N/A | 36% APR Cap | N/A | — | Max 36% |
| Nebraska | $500 | 36% APR Cap | Max 34 days | — | Max 36% |
| Nevada | 25% of gross monthly income | No fee cap (set by contract) | Max 35 days | $300 costs $345 | ~652% |
| New Hampshire | N/A | 36% APR Cap | N/A | — | Max 36% |
| New Mexico | $10,000 | 36% APR Cap | 120 days min | — | Max 36% |
| North Dakota | $500 | 20% of loan amount ($20 per $100) | Max 60 days | $300 costs $360 | ~521% |
| Ohio | $1,000 | 28% APR + $10 monthly fee (36% APR Cap) | 91-365 days | — | Max 36% |
| Oklahoma | $500 | $15 per $100 for first $300, $10 per $100 above $300 | 12-45 days | $300 costs $345 | ~391% |
| Oregon | $500 | 36% APR + 10% loan fee (up to $30) | 31-60 days | $300 costs $339.17 | ~154% |
| Rhode Island | $500 | 15% of amount advanced ($15 per $100) | 13 days min | $300 costs $345 | ~391% |
| South Carolina | $550 | 15% of face value of check ($15 per $100) | Max 31 days | $300 costs $345 | ~391% |
| South Dakota | $500 | 36% APR Cap | N/A | — | Max 36% |
| Tennessee | $500 | 15% of face value of check ($17.65 per $100 advanced) | Max 31 days | $300 costs $345 | ~459% |
| Texas | No Cap | No state fee cap ($20-$25 per $100 typical CSO fee + 10% interest cap) | 7-180 days | $300 costs $360 | ~400% - ~600% |
| Utah | No Cap | No fee cap (set by contract) | Max 10 weeks for interest accrual | $300 costs $345 | ~521% - ~652% |
| Virginia | $2,500 | 36% APR + $25 monthly maintenance fee | 120-730 days | — | Max 36% |
| Washington | $700 or 30% of gross monthly income | 15% on first $500 ($15 per $100), 10% on amount over $500 | Max 45 days | $300 costs $345 | ~391% |
| Wisconsin | $1,500 or 35% of gross monthly income | No fee cap (set by contract) | Max 90 days | $300 costs $360 | ~516% - ~574% |
| Wyoming | No Cap | Greater of $30 or 20% of principal per month ($20 per $100) | 8-31 days | $300 costs $360 | ~521% |