Cash Advances
How Much Cash Advance Can You Get?
What actually determines whether you're offered $200 or $5,000.
Cash Advances Without Falling Into a Cycle
How to tell a one-time bridge apart from a recurring dependency.
Line of Credit vs. Cash Advance
How each accrues interest and which fits your situation.
Why Not Just One Cash Advance Lender?
Why matching against a network covers more credit profiles than picking one lender.
Cash Advance Apps vs. Cash Advance Loans
Two products solving a similar problem in very different ways — amount, cost, and speed.
What a Cash Advance Actually Costs You
How to translate fees and tips into a real APR-equivalent for fair comparison.
Cash Advance for a Car Repair You Need for Work
Getting the actual repair cost, and how a cash advance fits in when time is tight.
Cash Advance for an Unexpected Medical Bill
What to check with your provider first, and how a cash advance fits in.
Cash Advance Laws by State
Cash Advance Fees & Laws by State
See exactly what a cash advance costs where you live, state by state.
Alabama
$500 cap with a 17.5% fee — a straightforward, single-rate cost structure.
Alaska
$500 cap, 15% fee, and a mandatory 14-day cooling-off period after a renewal.
Arizona
A 36% usury cap has made traditional cash advance loans unavailable since 2010.
Arkansas
A 17% constitutional usury cap — the only state with a rate limit written into its cons...
California
A tiered structure — small advances cap fees at 15%, larger ones fall under a separate ...
Colorado
Voters capped all-in costs at 36% APR back in 2018.
Connecticut
State law bars using a paycheck itself as security for a loan.
Delaware
A relatively high $1,000 cap, but only 5 outstanding advances allowed at once.
Florida
A $500 cap enforced through a statewide database limiting you to one advance at a time.
Georgia
Loans under $3,000 structured as a payday product are barred outright.
Hawaii
Act 56 banned the traditional cash advance model in 2022, replacing it with 36%-capped ...
Idaho
A generous $1,000 cap, but no ceiling at all on the rate a lender can charge.
Illinois
The Predatory Loan Prevention Act capped all consumer loans at 36% APR in 2021.
Indiana
A $605 cap with tiered fees and a hard 3-advance limit at once.
Iowa
A $500 cap, tiered fees, and a 2-advance limit at any time.
Kansas
A $500 cap, tiered fees, and up to 3 advances outstanding per lender.
Kentucky
A $500 cap with a 15% fee, tracked through a statewide database.
Louisiana
A $350 cap — one of the lower dollar limits in the country — with a database enforcing ...
Maine
A 30% APR small-loan cap rules out triple-digit-rate cash advances entirely.
Maryland
A 33% usury cap makes traditional cash advances unavailable statewide.
Massachusetts
A low usury cap has kept traditional cash advances out of the state for years.
Michigan
A $600 cap with a sliding fee scale and a database that blocks stacking.
Minnesota
A 36% APR cap took effect in 2024, replacing the old fee schedule.
Mississippi
A $500 all-in cap covering both the principal and every fee combined.
Missouri
No state APR cap, but renewals require paying down the principal each time.
Montana
A voter-approved 36% usury cap, with a narrow tribal-lender exception.
Nebraska
Initiative 428 capped cash advances at 36% APR after an 83% voter approval in 2020.
Nevada
No state-set fee or rate cap — lenders set their own pricing.
New Hampshire
A 36% APR cap has held since 2009, paired with a 60-day lockout after an outstanding ad...
New Jersey
A low usury cap keeps traditional cash advances off the table statewide.
New Mexico
A 36% APR cap enacted in 2023 replaced the prior fee-based structure.
New York
A 25% criminal usury cap makes payday-style cash advances illegal outright.
North Carolina
Banned since 2001 under a 36% small-loan cap — the first state to ban the product outri...
North Dakota
A 20% fee cap with a $600 aggregate outstanding limit tracked across lenders.
Ohio
Restructured as an installment product with a 28% APR cap and a 91-day minimum term.
Oklahoma
The Small Lenders Act caps rates at 17% per month with a $1,500 aggregate ceiling.
Oregon
A 36% interest cap plus a separate origination fee pushes the real cost closer to 154% ...
Pennsylvania
A 24% APR cap on licensed lenders keeps traditional cash advances out.
Rhode Island
A $500 cap today, but a 36% APR cap is already signed and takes effect January 2027.
South Carolina
The Deferred Presentment Services Act was fully repealed, effective January 2026.
South Dakota
Voters capped all-in costs at 36% APR in a decisive 2016 ballot measure.
Tennessee
Licensed under a flex-loan and payday framework with tiered fee caps by loan size.
Texas
No state rate cap, but licensing and disclosure requirements still apply to every lender.
Utah
No APR cap, but interest must stop accruing after a 10-week maximum term.
Vermont
A low usury cap prohibits traditional cash advances statewide.
Virginia
Single-payment payday advances were replaced with 36%-capped installment loans.
Washington
A $700 cap (or 30% of monthly income) with fees tiered by loan size and a cap of 8 adva...
Washington DC
A 24% APR cap makes traditional cash advances effectively illegal in the District.
West Virginia
No deferred-presentment cash advances are permitted under state law.
Wisconsin
No statutory rate cap, but licensing and disclosure rules still apply to every lender.
Wyoming
No maximum advance amount, but fees can push the effective APR near 780%.
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