In what states are payday loans illegal?

As of the 2023, the practice of issuing payday loans is prohibited by law in a specific states.

  • Arizona
  • Arkansas
  • Colorado
  • Connecticut
  • Georgia
  • Maryland
  • Massachusetts
  • Montana
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Pennsylvania
  • South Dakota
  • Vermont
  • West Virginia
  • District of Columbia

In these states, it is illegal for lenders to make payday loans to consumers. Payday loans are short-term, high-interest loans that can trap borrowers in a cycle of debt. They are often used by people who need quick cash to cover unexpected expenses, but they can be very difficult to repay.

See also Payday Lending per state – Maximum loan amount, term and finance charge