State regulations for payday loans can differ significantly. Limits vary from no rate caps at all to a strict 36% APR limit that bans these loans. Choose your state to see the specific maximum rates, loan amounts, oversight bodies, and lower-cost options available to you.
Storefront or online payday lenders are licensed in these states. Here, Nimbus Loans connects people with state-approved lenders — and we consistently present more affordable choices as well.
Payday advances are permitted but have strict cost limits. Availability is limited; other choices are frequently less expensive.
Standard payday loans are unavailable; they are substituted by longer installment loans. We display these installment plans along with other possibilities.
Payday lending is essentially banned due to a very low APR maximum. For people in these states, Nimbus Loans only displays permitted alternatives — such as PALs, EWA, and nonprofit help.