State Licensed Payday Loan Lenders, Rates & Terms In Your State:

Each state has unique laws and regulations regarding personal payday loans. These laws and regulations can affect your loan eligibility. Not only can they affect your eligibility, they can also impact requirements regarding maximum loan amounts, interest rates, number of loans, and others. These requirements dictate the size and repayment terms of the payday loan you are seeking. For example, some states may not allow Payday Loan or Cash Advance lending practices.

Most states require online lenders to be licensed in their state. There are Four states that will accept the lenders to be licensed in any state, these loans would follow the laws of the state in which the lender is licensed in and not the laws of state in which the borrower resides. An online licensed lender could charge more than the maximum finance charge set by the borrower’s state law if the lender is based in a state with no finance charge limits and still be operating legally.

There are thirteen states prohibit payday loans in which four of these states allow payday lenders to operate as credit service organizations (CSO) or handle transactions as consumer installment loans. It’s possible for a state to prohibit “payday loans” but make de facto payday loans available through a CSO or other arrangement. It is also possible for a lender licensed as a CSO to charge more than the state maximum for payday loans.

Look at the map below and select the state you live in to find out all you need to know about your state's regulations regarding any kind of Personal Loan, Installment loan, Payday Loan or Cash Advance.


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