U.S. State Loan App & Lending Law Guides
State law can determine whether a small-dollar product is permitted, what licensing is required, how much can be charged, and what repayment protections apply. These flagship guides cover states with large borrower populations or especially distinctive regulatory models.
Priority state knowledge map
California
Permitted, tightly capped deferred-deposit loans.
Texas
Credit-access-business and third-party lender structure.
Florida
Licensed deferred-presentment model with statewide database.
New York
Prohibition state with strong usury and online-lending enforcement.
Illinois
36% apr cap on most nonbank consumer loans.
Washington
Permitted product with fee, loan-count and term limits.
Colorado
Uccc supervision with a 36% payday-loan cap.
Virginia
Licensed short-term-lender regime.
Georgia
Payday prohibition with separately licensed installment lending.
North Carolina
Restrictive small-dollar lending environment without a conventional licensed payday market.
Ohio
Specialized short-term loan act and multiple lending-license categories.
Arizona
Expired payday-lending authorization and 36% consumer-loan ceiling.
Why AppLoans is not publishing 50 cloned state pages
State lending law is not a fill-in-the-blank exercise. California’s deferred-deposit ceiling, Texas’s credit-access-business structure, Florida’s statewide deferred-presentment database, New York’s prohibition, Illinois’s 36% cap and Washington’s loan-count rules are materially different. A useful state page has to explain the actual regulatory model and cite the regulator responsible for it.
Wave 6 therefore starts with 12 states where either population or legal distinctiveness creates a strong information need. Future states should be added only when the page can provide genuine jurisdiction-specific value.
How to use these guides
- Start with your state.
- Identify the exact product and legal creditor.
- Follow the page’s regulator link to verify licensing and current law.
- Compare the loan’s APR, dollar finance charge, term and repayment mechanism.
- Use the U.S. regulatory foundation for federal issues such as Truth in Lending and ACH.