Personal Loans by State
Every state has different APR caps, lending regulations, and average loan amounts. Find the rules and best lenders for your state.
All 50 States
Click any state to see local lending regulations, APR caps, and lender recommendations.
Alabama
Max APR: 36%
Alaska
Max APR: No cap
Arizona
Max APR: 36%
Arkansas
Max APR: 17%
California
Max APR: 36%
Colorado
Max APR: 36%
Connecticut
Max APR: 36%
Delaware
Max APR: No cap
Florida
Max APR: 30%
Georgia
Max APR: 60%
Hawaii
Max APR: 24%
Idaho
Max APR: No cap
Illinois
Max APR: 36%
Indiana
Max APR: 36%
Iowa
Max APR: 36%
Kansas
Max APR: 36%
Kentucky
Max APR: 36%
Louisiana
Max APR: 36%
Maine
Max APR: 30%
Maryland
Max APR: 33%
Massachusetts
Max APR: 23%
Michigan
Max APR: 25%
Minnesota
Max APR: 33%
Mississippi
Max APR: 36%
Missouri
Max APR: No cap
Montana
Max APR: 36%
Nebraska
Max APR: 24%
Nevada
Max APR: No cap
New Hampshire
Max APR: 36%
New Jersey
Max APR: 30%
New Mexico
Max APR: 36%
New York
Max APR: 25%
North Carolina
Max APR: 36%
North Dakota
Max APR: No cap
Ohio
Max APR: 28%
Oklahoma
Max APR: 30%
Oregon
Max APR: 36%
Pennsylvania
Max APR: 24%
Rhode Island
Max APR: 36%
South Carolina
Max APR: No cap
South Dakota
Max APR: No cap
Tennessee
Max APR: 30%
Texas
Max APR: 36%
Utah
Max APR: No cap
Vermont
Max APR: 24%
Virginia
Max APR: 36%
Washington
Max APR: 36%
West Virginia
Max APR: 31%
Wisconsin
Max APR: No cap
Wyoming
Max APR: 36%
Why State Matters for Personal Loans
Personal loan regulations vary significantly by state. Some states cap APR at 36% or lower, while others have no cap at all. These caps directly affect the rates lenders can charge you.
States also differ in which lenders are licensed to operate there. A lender available in California may not be licensed in New York. Checking your state's page ensures you're comparing lenders that actually serve your area.
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