| Alabama |
Allowed |
17.5% of loan amount ($17.50 per $100) |
Alabama State Banking Department |
| Alaska |
Allowed |
15% of face value + $5 fee |
Alaska Division of Banking and Securities |
| Arizona |
Banned / strict cap |
36% APR Cap |
Arizona Department of Insurance and Financial Institutions |
| Arkansas |
Banned / strict cap |
17% APR Cap |
Arkansas State Bank Department |
| California |
Allowed |
15% of face value ($17.65 per $100 advanced) |
California Department of Financial Protection and Innovation |
| Colorado |
Allowed |
36% APR Cap |
Colorado Department of Law - Consumer Credit Unit |
| Connecticut |
Banned / strict cap |
36% APR Cap |
Connecticut Department of Banking |
| Delaware |
Allowed |
No fee cap (set by contract) |
Office of the State Bank Commissioner of Delaware |
| District of Columbia |
Banned / strict cap |
24% APR Cap |
District of Columbia Department of Insurance, Securities and Banking |
| Florida |
Allowed |
10% of loan amount + $5 verification fee |
Florida Office of Financial Regulation |
| Georgia |
Banned / strict cap |
16% APR Cap |
Georgia Department of Banking and Finance |
| Hawaii |
Allowed |
36% APR Cap |
Hawaii Division of Financial Institutions |
| Idaho |
Allowed |
No fee cap (set by contract) |
Idaho Department of Finance |
| Illinois |
Allowed |
36% APR Cap |
Illinois Department of Financial and Professional Regulation |
| Indiana |
Allowed |
15% on first $250, 13% on $250-$400, 10% on $400-$550 |
Indiana Department of Financial Institutions |
| Iowa |
Allowed |
$15 on first $100, plus $10 per additional $100 |
Iowa Division of Banking |
| Kansas |
Allowed |
15% of cash advance ($15 per $100) |
Office of the State Bank Commissioner of Kansas |
| Kentucky |
Allowed |
$15 per $100 advanced + $1 database fee |
Kentucky Department of Financial Institutions |
| Louisiana |
Allowed |
16.75% of check amount ($16.75 per $100) + $10 documentation fee |
Louisiana Office of Financial Institutions |
| Maine |
Allowed |
36% APR Cap |
Maine Bureau of Consumer Credit Protection |
| Maryland |
Banned / strict cap |
33% APR Cap |
Maryland Office of the Commissioner of Financial Regulation |
| Massachusetts |
Banned / strict cap |
23% APR Cap |
Massachusetts Division of Banks |
| Michigan |
Allowed |
15% on first $100, 14% on 2nd $100, 13% on 3rd $100, 12% on 4th $100, 11% on 5th & 6th $100 |
Michigan Department of Insurance and Financial Services |
| Minnesota |
Allowed |
36% APR Cap |
Minnesota Department of Commerce |
| Mississippi |
Allowed |
$20 per $100 advanced |
Mississippi Department of Banking and Consumer Finance |
| Missouri |
Allowed |
75% of initial principal limit for interest/fees combined |
Missouri Division of Finance |
| Montana |
Allowed |
36% APR Cap |
Montana Division of Banking and Financial Institutions |
| Nebraska |
Allowed |
36% APR Cap |
Nebraska Department of Banking and Finance |
| Nevada |
Allowed |
No fee cap (set by contract) |
Nevada Financial Institutions Division |
| New Hampshire |
Allowed |
36% APR Cap |
New Hampshire Banking Department |
| New Jersey |
Banned / strict cap |
30% APR Cap |
New Jersey Department of Banking and Insurance |
| New Mexico |
Allowed |
36% APR Cap |
New Mexico Financial Institutions Division |
| North Carolina |
Banned / strict cap |
30% APR Cap |
North Carolina Office of the Commissioner of Banks |
| North Dakota |
Allowed |
20% of loan amount ($20 per $100) |
North Dakota Department of Financial Institutions |
| Ohio |
Allowed |
28% APR + $10 monthly fee (36% APR Cap) |
Ohio Division of Financial Institutions |
| Oklahoma |
Allowed |
$15 per $100 for first $300, $10 per $100 above $300 |
Oklahoma Department of Consumer Credit |
| Oregon |
Allowed |
36% APR + 10% loan fee (up to $30) |
Oregon Division of Financial Regulation |
| Pennsylvania |
Banned / strict cap |
6% APR Cap |
Pennsylvania Department of Banking and Securities |
| Rhode Island |
Allowed |
15% of amount advanced ($15 per $100) |
Rhode Island Department of Business Regulation - Banking Division |
| South Carolina |
Allowed |
15% of face value of check ($15 per $100) |
South Carolina State Board of Financial Institutions |
| South Dakota |
Allowed |
36% APR Cap |
South Dakota Division of Banking |
| Tennessee |
Allowed |
15% of face value of check ($17.65 per $100 advanced) |
Tennessee Department of Financial Institutions |
| Texas |
Allowed |
No state fee cap ($20-$25 per $100 typical CSO fee + 10% interest cap) |
Texas Office of Consumer Credit Commissioner |
| Utah |
Allowed |
No fee cap (set by contract) |
Utah Department of Financial Institutions |
| Vermont |
Banned / strict cap |
24% APR Cap |
Vermont Department of Financial Regulation |
| Virginia |
Allowed |
36% APR + $25 monthly maintenance fee |
Virginia State Corporation Commission - Bureau of Financial Institutions |
| Washington |
Allowed |
15% on first $500 ($15 per $100), 10% on amount over $500 |
Washington State Department of Financial Institutions |
| West Virginia |
Banned / strict cap |
31.5% APR Cap |
West Virginia Division of Financial Institutions |
| Wisconsin |
Allowed |
No fee cap (set by contract) |
Wisconsin Department of Financial Institutions |
| Wyoming |
Allowed |
Greater of $30 or 20% of principal per month ($20 per $100) |
Wyoming Division of Banking |
