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Payday loan regulations differ significantly across the United States. Maximum loan amounts, finance charges, repayment terms, and consumer protections all vary by state — some states cap payday loans at $300, while others allow amounts up to $5,000 or higher.
Understanding your state's specific regulations is critical before borrowing. Some states require lenders to clearly disclose the Annual Percentage Rate (APR) upfront, while others set different fee caps. Many states limit how many times you can roll over a loan or require a "cooling off period" between loans.
Cash Day USA is DFPI-licensed and serves over 41 states with payday loans, installment loans, and personal loans. We operate 20+ convenient store locations and offer online applications 24/7. Below you'll find detailed information about your state's regulations, typical rates, and links to our licensed locations.
Select your state below to view available loan products, compare rates and terms, or find a store near you.
A payday loan (also called a cash advance or paycheck advance) is a short-term loan designed to cover emergency expenses until your next paycheck. Here is how it works: You receive a cash advance today. You repay the full amount plus a finance charge on your next payday (typically 14 days). The lender deposits the funds directly into your bank account, usually within 24 hours. Unlike traditional bank loans, payday loans do not require a good credit score — we review your income and employment status instead. Payday loans are meant for short-term emergencies only, not as a long-term borrowing solution.
Every state sets its own rules for payday lending. Some key differences include: Maximum loan amount (ranging from $300 in some states to $5,000+ in others), Finance charge caps (some states cap fees as a percentage of the loan, others do not), Cooling-off periods (some require a set number of days between loans), Rollover rules (some states prohibit rollovers entirely), APR disclosure requirements (some require clear APR display), and Licensing requirements (some states license lenders; others do not). This is why it is important to check your specific state's laws before applying. Cash Day USA is fully compliant with regulations in all states where we operate.
APR (Annual Percentage Rate) and finance charge are related but different. The finance charge is the actual dollar amount you pay for borrowing (for example, a $15 fee on a $100 loan). The APR annualizes that fee — if you repaid that $100 loan in 14 days, the APR would be roughly 391% (since you would pay the $15 fee approximately 26 times per year if you kept rolling the loan over). Payday loan APRs are high because the loans are short-term and you are paying the finance charge in just two weeks, not spread over a year like a traditional loan. Always ask your lender about the specific finance charge and APR before borrowing.
No. Payday loans are legal in most states, but some states prohibit them entirely or restrict the terms so heavily that payday lending is not practical. States that prohibit or severely restrict payday loans include Arkansas, Connecticut, Georgia, Maryland, Massachusetts, New York, North Carolina, Pennsylvania, and West Virginia. If you live in one of these states, alternative lending options include credit union loans, credit card cash advances, personal installment loans, or working with a credit counselor to create a budget.
Most payday lenders, including Cash Day USA, can fund loans the same day if you apply before a certain time (typically 10:30 AM local time) on a business day. Here is the timeline: Apply online (takes 5-10 minutes), Get instant or near-instant approval, Funds deposited via ACH (same day for morning applications; next business day for afternoon applications). In-store applications can sometimes receive funds immediately with a post-dated check. Weekend and holiday applications are processed on the next banking day.
Yes. Payday loans are specifically designed for people with bad credit, no credit, or thin credit files. Cash Day USA does NOT perform a hard credit check that would hurt your FICO score. Instead, we do a soft credit inquiry and focus on your current income and ability to repay. This makes payday loans accessible to borrowers who have been turned down by traditional banks. However, keep in mind that payday loans are expensive and are meant only for short-term emergencies — they are not a long-term borrowing solution.
If you cannot repay by the due date, contact your lender immediately. Many states and lenders offer extensions or payment plans that allow you to extend the loan term without incurring additional fees. Here are your options: Request an extended repayment plan, Ask about a rollover (if your state allows it), Seek credit counseling from a non-profit agency, Check your state's consumer protection laws. The key is to communicate with your lender early — do not wait until you are late on the payment. Many lenders would rather work with you than report you to credit agencies.
Federal and state laws protect payday loan borrowers in several ways: Truth in Lending Act (TILA) requires lenders to disclose the finance charge and APR before you sign, Electronic Fund Transfer Act (EFTA) limits your liability for unauthorized transfers, Fair Debt Collection Practices Act (FDCPA) prevents abusive collection tactics, State-specific laws vary but many require cooling-off periods, limit fees, restrict rollovers, or mandate payment plans. Cash Day USA is compliant with all federal and state regulations and licensed by state regulators in every state where we operate. Always ask your lender about your state's specific protections before borrowing.
| State | Max Loan Amount | Typical APR Range | Store Locations |
|---|---|---|---|
| Alabama | $500 | 17.50% APR | 1 |
| Alaska | $500 | 12.5% APR | 1 |
| Arizona | $5,000 | 28% APR cap (usury cap — payday loans banned) | 0 |
| Arkansas | N/A (Payday loans pr | 17% (Usury Cap — Const. Art. XIX §13) | 1 |
| California | $255 | 23.5% APR (14-day loan) | 6 |
| Colorado | $500 | 17% APR cap | 2 |
| Connecticut | N/A (Payday loans no | 12% APR (usury cap for loans up to $15,000) | 1 |
| Delaware | $1,000 | 23% APR cap | 0 |
| Florida | $500 | 26.45% APR cap | 1 |
| Georgia | $3,000 | 20.86% APR cap | 1 |
| Hawaii | $600 | 36% APR Cap | 1 |
| Idaho | $1,000 | 35.54% APR Cap | 1 |
| Illinois | $5,000 | 35.99% APR Cap | 2 |
| Indiana | $605 | 31.23% APR Cap | 1 |
| Iowa | $500 | 31.52% APR Ca | 0 |
| Kansas | $500 | 33.5% APR Cap | 1 |
| Kentucky | $500 | $31.25% APR Cap | 0 |
| Louisiana | $350 | 31.25% APR Cap | 0 |
| Maine | $1,000 | 31.5% APR Cap | 0 |
| Michigan | $600 | 29.36% APR Cap | 0 |
| Minnesota | $350 | 25.65% APR Cap | 0 |
| Mississippi | $500 | 26.65% APR Cap | 0 |
| Missouri | $500 | 21.45% APR Cap | 0 |
| Montana | $300 | 36% APR cap | 0 |
| Nebraska | $500 | 36% APR Cap | 0 |
| Nevada | $1,000 | 21.65% APR Cap | 0 |
| New Mexico | $5,000 | 36% APR Cap | 0 |
| North Dakota | $600 | Varies by regulation | 0 |
| Ohio | $1,000 | Varies by regulation | 0 |
| Oklahoma | $500 | Varies by regulation | 0 |
| Oregon | $50,000 | 36% APR cap | 0 |
| Rhode Island | $500 | Varies by regulation | 0 |
| South Carolina | $550 | Varies by regulation | 0 |
| South Dakota | $500 | Varies by regulation | 0 |
| Tennessee | $500 | Varies by regulation | 0 |
| Texas | $1,000 | Varies by regulation | 0 |
| Utah | $1,000 | Varies by regulation | 0 |
| Washington | $700 | Varies by regulation | 0 |
| West Virginia | $2,500 | Varies by regulation | 0 |
| Wisconsin | $1,500 | Varies by regulation | 0 |
| Wyoming | $500 | Varies by regulation | 0 |
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