All Comparison Tables
Payday Loan Interest Caps by State
Federal & State Law Editorial TeamLast reviewed: April 2026
Maximum effective annual percentage rate (APR) on payday loans, the maximum loan amount, and whether loan rollovers (renewals) are permitted.
50 States2 data columnsLast updated: February 2025
Click any column header to sort ascending or descending. Click again to reverse, and a third time to reset.
| Max APR | Loan Cap | Rollover |
|---|---|---|
| 456% | $500 | 1 rollover |
| 435% | $500 | 2 rollovers |
| Banned (36%) | Prohibited | N/A |
| 17% (constitutional) | Prohibited | N/A |
| 460% | $300 | No rollovers |
| 36% | $500 | 1 rollover |
| Banned (12%) | Prohibited | N/A |
| 521% | $1,000 | 4 rollovers |
| 304% | $500 | No rollovers |
| Banned (60%) | Prohibited | N/A |
| 459% | $600 | No rollovers |
| 652% | $1,000 | 3 rollovers |
| 36% | $1,000 or 25% gross | No rollovers |
| 391% | $550 | No rollovers |
| 337% | $500 | No rollovers |
| 391% | $500 | No rollovers |
| 460% | $500 | No rollovers |
| 391% | $350 | No rollovers |
| 217% | $2,000 | No rollovers |
| Banned (33%) | Prohibited | N/A |
| Banned (23%) | Prohibited | N/A |
| 369% | $600 | No rollovers |
| 200% | $350 | No rollovers |
| 521% | $500 | No rollovers |
| 1,950% | $500 | 6 rollovers |
| 36% | $300 | No rollovers |
| 36% | $500 | No rollovers |
| 652% | 25% gross monthly | No rollovers |
| 36% | $500 | No rollovers |
| Banned (30%) | Prohibited | N/A |
| 36% | $5,000 | No rollovers |
| Banned (25%) | Prohibited | N/A |
| Banned (36%) | Prohibited | N/A |
| 487% | $500 | 1 rollover |
| 28% | $1,000 | No rollovers |
| 390% | $500 | No rollovers |
| 154% | $50,000 | 2 rollovers |
| Banned (24%) | Prohibited | N/A |
| 261% | $500 | 1 rollover |
| 391% | $550 | No rollovers |
| 36% | No specific cap | 4 rollovers |
| 460% | $500 | No rollovers |
| 664% | No state cap | Multiple (CSO model) |
| 658% | No state cap | 10 weeks max |
| Banned (18%) | Prohibited | N/A |
| 36% | $2,500 | No rollovers |
| 391% | $700 or 30% | No rollovers |
| Banned (31%) | Prohibited | N/A |
| 574% | $1,500 or 35% | 1 rollover |
| 780% | No state cap | No rollovers |
| Banned (24%) | Prohibited | N/A |
States listing 'Banned' have effectively prohibited payday lending via 36% or lower APR caps. Some lenders use the credit-services-organization (CSO) model to circumvent caps in TX and OH.
This is legal information, not legal advice. Laws vary by jurisdiction and change frequently. Always verify current law with official sources and consult a licensed attorney in your jurisdiction for advice on your specific situation.