From Alaska to Florida, and from Hawaii to Maine, each state will usually have its own laws governing payday loans. Most people in need of a short-term cash advance loan are not aware that state laws govern personal loan practices.
Always use caution when considering a payday loan, also known as cash advance loans. Some lenders will attempt to charge loan fees well above the legal limit in a particular state. Take the time to learn the law in your state before applying.
Before states began regulating payday loans, many companies would charge those most in need of a short-term loan - those with limited or no credit experience - with extreme rates amounting to nearly 900 percent interest.
Today, state laws, in addition to governing payday loans, establish certain disclosure guidelines foir lenders. The laws provide that loan agreements must be written in clear, understandable language. All fees must also be presented upfront.
Click on a link below for information about a particular state.
Payday Loans in Each State
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