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PAYDAY LOANS REVIEWS
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Independent · Not a lender The fine print, in plain sight.

Know what a lender is allowed to charge you before you sign anything, and spot cheaper options early. Know what lenders can charge before you sign.

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Payday Loans Reviews: What Small Loans Cost and Allow by State

Payday Loans Reviews lets you check your state's rules before you borrow. Browse 302 city pages to see what short-term loans cost where you live. Compare 8,499 storefront lenders, 76,905 bank branches and 4,239 credit unions in one place. You'll find clear guides to payday, installment and tribal loans, plus calculators to run the numbers yourself. Start with your state law.

States covered
50
City pages
302
Loan offices
8,510
Credit unions
4,250
Education center

Four steps before you borrow

  1. STEP 1

    Pick your state first

    Find the law that governs your loan and confirm it is legal in your state.

  2. STEP 2

    Figure out every fee

    See the full price in dollars and the annual rate, beyond the stated fee.

  3. STEP 3

    Double-check licensing

    Stick to lenders that are licensed to do business where you live.

  4. STEP 4

    File the oversight agency number

    If rules are broken, you'll have the right office to report to.

Your vicinity

Banks, credit unions and lenders in your area

8,510 loan offices Loan Companies → 4,250 credit unions Credit Unions → 76,905 bank branches Banks → 8,948 pawn shops Pawn Shops →
State laws

Open your state

Compare all states

Each state has its own page: payday loan limits, installment rate caps, online lender regulations and the agency to contact.

Local rate details

City prices for small loans

All guides
$350 Payday Loans in Wichita, KS A $350 payday loan in Wichita is legal under Kansas law, but repaying the full amount plus fees in one lump sum two weeks later can strain a... $350 Cash Advance in Seattle, WA A $350 cash advance in Seattle can cost you as little as $3.99 or as much as $52.50, depending on which door you knock on. The most expensive... $1,000 Installment Loan in San Diego, CA Imagine your car won't start on a Tuesday morning, and the mechanic says you need $1,000 to get back on the road. An installment loan repaid in... $400 Tribal Loans in Lincoln, NE If you need $400 fast in Lincoln, you may see online ads for tribal installment loans. These loans are not from Nebraska storefronts; they come...
Forms of borrowing

Four ways to cover a small expense

Payday Loans Repay in full when your next paycheck arrives. Check limits, fee schedules and rollover restrictions for your state and 1,200+ locations. 27 states allow payday loans Cash Advance What you'll pay at storefront lenders, for card advances, through paycheck apps and at credit union PALs. 1,236 city guides Installment Loans Monthly payments that never change. Find rate limits for $500, $2,000 and $10,000 loans and calculate what you will owe. 32 states cap a $2,000 loan at 36% APR or less Tribal Loans Online lenders may claim exemption from local rules. Here's how to check them out and keep your account safe. 23 states cap rates for all lenders
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About us

Clear facts on tangled lending rules

Payday Loans Reviews is an independent information site, not a lender, broker or financial adviser. We compile data from state laws and regulators, public directories and U.S. Census records. We don't make loan decisions or accept applications. Our goal is plain facts: what loans cost, where they're restricted and how to compare your options across all 50 states.

  • On your side

    You're not asking us for a loan. Participating lenders review your request and make independent decisions.

  • Pulled from filings

    State statutes, regulatory agencies, Census Bureau numbers and public business records.

  • Fees up front

    Every sponsored placement is labeled. About Us