Payday Loans & Cash Advances, Priced by Your State's Law
Pick your city and see exactly what a payday loan — or cash advance, it's the same product — may cost you there: the legal cap, the maximum fee, the term. Then check offers from licensed lenders in about two minutes.
- State-capped fees shown on every page — no surprise pricing
- Bad credit considered: decisions are based on your paycheck
- Same-day funding when you apply before the cutoff
Get Your Cash Match
✓ No credit check to see offers • ✓ 2 minutes • ✓ SSL secure
How it works
- 1
Pick your city
Every city page shows your state's loan cap, maximum fee, and repayment term — the numbers the law lets a lender charge you.
- 2
Check offers in 2 minutes
One short form reaches several licensed lenders. Decisions are based on income, so credit scores matter far less than a steady paycheck.
- 3
Get funded
Beat the daily cutoff and the cash can land the same business day; otherwise it arrives the next morning. Repay on your payday, done.
What the data says (our read of all 38 statutes)
Computed from state lending laws — checked September 2026.
Same $300 borrowed, up to difference in legal fees depending on the state line — that's why every page here shows your state's numbers, not a national average.
Two ways to borrow
Payday loans — $100 to $1,000
A single fee, repaid in one lump on your next payday (14–31 days). Best for a one-paycheck gap: a car repair, a utility about to disconnect, a medical copay.
Cost: typically $15–$30 per $100 borrowed, capped by state law.
Installment loans — $1,000 to $5,000
Bigger emergencies spread over 6–24 months of fixed monthly payments. Structured, predictable, and larger than any payday cap.
Cost: APR typically 36%–200% depending on state and profile.
Choose your state
- Alabama · $500
- Alaska · $500
- California · $300
- Colorado · $500
- Delaware
- Florida · $500
- Hawaii
- Idaho
- Illinois
- Indiana · $550
- Iowa · $500
- Kansas · $500
All 38 states
- Kentucky · $500
- Louisiana · $350
- Maine
- Michigan · $600
- Minnesota · $350
- Mississippi · $500
- Missouri · $500
- Montana
- Nebraska · $500
- Nevada
- New Hampshire
- New Mexico
- North Dakota · $500
- Ohio
- Oklahoma · $500
- Oregon · $500
- Rhode Island · $500
- South Carolina · $550
- South Dakota · $500
- Tennessee · $500
- Texas
- Utah
- Virginia
- Washington · $700
- Wisconsin
- Wyoming
Popular amounts: $255 · $300 · $500 · $1,000 — or browse all loan sizes.
Payday loans: the short answers
How much can I borrow with a payday loan?
It depends on your state, not on the website. State caps in our guide range from $300 to $1,000, and a few states set no fixed dollar cap at all. Every state and city page shows the exact legal ceiling.
What will a payday loan cost me?
In most states the fee is capped between $10 and $30 per $100 borrowed for a two-week loan. That is why a $300 loan costs about $45 in a 15% state. Where a state sets no fixed fee, lenders price by the market — our tables flag those states clearly.
Can I get a payday loan with bad credit?
Yes, in states where payday lending is legal. Lenders approve against your paycheck and checking account, not your credit score. Some run a soft inquiry, which does not affect your score.
How fast does the money arrive?
Applications approved before the lender's daily cutoff can be funded the same business day; otherwise, the next business day. Weekend applications fund on Monday.
Is my state covered?
We cover the 38 states where payday lending is legal, with local pages for more than 1434 cities. If your state bans payday loans, its page explains the legal alternatives instead.
Our network
Get Payday Loans in Your City with All City Payday Loans
Every figure on this page is the legal ceiling computed from state law — the most a licensed lender may charge you. All City Payday Loan matches you with licensed lenders and shows the cost before you commit.
Start with All City Payday Loans →Payday Loan Calculator
The legal ceiling computed from state statute — the most a licensed lender may charge. It is the law, not a quote.
Disclosure. All City Payday Loan is not a lender, not a broker, and does not make credit decisions. Rates and terms are set by third-party lenders and depend on state law and the lender's underwriting; short-term loans carry APRs that may range from 35.99% to 359.99%. A payday loan is a short-term tool for a temporary cash gap — it is not a solution for long-term debt problems. Late or missed payments may result in additional fees and collection activity. Check your lender's license with your state regulator before you sign.