// 02 — Rate Atlas

Every state. Every receipt.

APRs calculated for a typical $300 / 14-day loan using each state's maximum statutory fees. Complaint data from the CFPB Public API.

Status

Term

TX
Texas
CSO model — no statutory cap.
Legal
664%
$1,800
180d
…
UT
Utah
No max loan amount.
Legal
658%
—
70d
…
ID
Idaho
No statutory rate cap.
Legal
652%
$1,000
—
…
NV
Nevada
Loan ≤ 25% of monthly income.
Legal
652%
—
—
…
WI
Wisconsin
No rate cap.
Legal
574%
$1,500
90d
…
DE
Delaware
Max 5 loans per 12 months.
Legal
521%
$1,000
60d
…
MS
Mississippi
$20 per $100 to $250.
Legal
521%
$500
30d
…
ND
North Dakota
Legal
487%
$500
60d
…
CA
California
$15 fee per $100; one loan at a time.
Legal
460%
$300
31d
…
KY
Kentucky
$15 per $100 + $1 db fee.
Legal
460%
$500
60d
…
TN
Tennessee
Legal
460%
$500
31d
…
AL
Alabama
17.5% fee per $100.
Legal
456%
$500
31d
…
MO
Missouri
75% fee cap of principal.
Legal
443%
$500
31d
…
AK
Alaska
$5 origination + 15% fee.
Legal
435%
$500
14d
…
IN
Indiana
15% fee tiers.
Legal
391%
$605
14d
…
KS
Kansas
15% fee per $100.
Legal
391%
$500
30d
…
LA
Louisiana
16.75% finance charge.
Legal
391%
$350
30d
…
SC
South Carolina
Legal
391%
$550
31d
…
WA
Washington
Statewide loan database.
Legal
391%
$700
45d
…
OK
Oklahoma
Legal
390%
$500
45d
…
MI
Michigan
Two concurrent loans allowed.
Legal
369%
$600
31d
…
IA
Iowa
Up to 2 loans at a time.
Legal
337%
$500
31d
…
FL
Florida
10% fee + verification fee.
Legal
304%
$500
31d
…
RI
Rhode Island
10% fee per $100.
Legal
261%
$500
13d
…
WY
Wyoming
20% per month.
Legal
261%
—
30d
…
MN
Minnesota
Tiered fee structure.
Legal
200%
$350
30d
…
GA
Georgia
Felony to operate payday.
Banned
60%
—
—
…
AZ
Arizona
Prop 200 expired in 2010; banned.
Banned
36%
—
—
…
CO
Colorado
Voter-approved cap (Prop 111).
Capped
36%
$500
180d
…
HI
Hawaii
Reformed in 2022.
Capped
36%
$1,500
365d
…
IL
Illinois
Predatory Loan Prevention Act (2021).
Capped
36%
$1,000
—
…
MT
Montana
Voter-approved cap (2010).
Capped
36%
$300
31d
…
NE
Nebraska
Initiative 428 (2020).
Capped
36%
$500
34d
…
NH
New Hampshire
Capped
36%
$500
30d
…
NM
New Mexico
HB 132 (2023).
Capped
36%
$5,000
—
…
NC
North Carolina
Banned since 2001.
Banned
36%
—
—
…
OR
Oregon
+ $10 per $100 origination.
Capped
36%
$50,000
—
…
SD
South Dakota
Initiated Measure 21 (2016).
Capped
36%
$500
—
…
VA
Virginia
Fairness in Lending Act (2020).
Capped
36%
$2,500
720d
…
MD
Maryland
Small loan act.
Banned
33%
—
—
…
WV
West Virginia
Banned
31%
—
—
…
ME
Maine
Supervised lender license required.
Capped
30%
$2,000
—
…
NJ
New Jersey
Criminal usury cap.
Banned
30%
—
—
…
OH
Ohio
Fairness in Lending Act (2018).
Capped
28%
$1,000
365d
…
NY
New York
Criminal usury law.
Banned
25%
—
—
…
PA
Pennsylvania
Loan Interest Protection Law.
Banned
24%
—
—
…
DC
District of Columbia
Banned
24%
—
—
…
MA
Massachusetts
Effectively banned.
Banned
23%
—
—
…
VT
Vermont
Banned
18%
—
—
…
AR
Arkansas
Constitutional usury cap.
Banned
17%
—
—
…
CT
Connecticut
Small-loan act effectively bans payday.
Banned
12%
—
—
…

Rate data: CFPB/NCSL 2024 summaries · Complaint counts: CFPB Public API (demo fallback — live data unavailable)