A 24% APR cap makes traditional cash advances effectively illegal in the District.
What a Cash Advance Costs in Washington DC
D.C. Code § 28-3301 caps interest at 24% APR on any loan made in the District — far below the rates a traditional cash advance model relies on.
Loan Size, Term, and Renewal Rules
The DC Attorney General's Office has actively sued online lenders charging over 300% effective interest through disguised fee structures, so out-of-state offers don't get a pass on the cap.
| Factor | Rule |
|---|---|
| Interest rate cap | 24% APR |
| Traditional cash advances | Effectively prohibited |
| Enforcement | Active OAG litigation |
Verify current rules with the DC Office of the Attorney General before applying with any lender — this summary is for general information only, not legal advice.
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