Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.
These are the rules, laws and regulations of payday loans in Missouri.
Missouri Laws are specific about payday advance laws.
Payday Loan fees, including rollovers, cannot exceed 75% of the initial Payday loan amount. The loan period is a minimum of 14 days and a maximum of 31 days.
$500.00 is the maximum amount of a payday loan allowable by law.
Payday Loan rollovers are limited to 6. The only rule is you must reduce the borrowed amount by 5 percent on each rollover payday loan
List of cities in Missouri
List of counties in Missouri
Affton
Arnold
Aurora
Ballwin
Barnhart
Bellefontaine Neighbors
Belton
Berkeley
Black Jack
Blue Springs
Bolivar
Boonville
Branson
Brentwood
Bridgeton
Cameron
Cape Girardeau
Carthage
Caruthersville
Chesterfield
Chillicothe
Clayton
Clinton
Columbia
Concord
Crestwood
Creve Coeur
De Soto
Des Peres
Dexter
Ellisville
Eureka
Excelsior Springs
Farmington
Ferguson
Festus
Florissant
Fort Leonard Wood
Fulton
Gladstone
Grandview
Hannibal
Harrisonville
Hazelwood
Independence
Jackson
Jefferson City
Jennings
Joplin
Kansas City
Kennett
Kirksville
Kirkwood
Ladue
Lake St. Louis
Lebanon
Lee's Summit
Lemay
Liberty
Manchester
Maplewood
Marshall
Maryland Heights
Maryville
Mehlville
Mexico
Moberly
Monett
Murphy
Neosho
Nevada
Nixa
O'Fallon
Oakville
Olivette
Overland
Ozark
Park Hills
Perryville
Poplar Bluff
Raymore
Raytown
Republic
Richmond
Richmond Heights
Rolla
Sappington
Sedalia
Shrewsbury
Sikeston
Spanish Lake
Springfield
St. Ann
St. Charles
St. John
St. Joseph
St. Louis
St. Peters
Sullivan
Sunset Hills
Town and Country
Trenton
Troy
Union
University City
Valley Park
Warrensburg
Washington
Webb City
Webster Groves
Wentzville
West Plains
Wildwood
Adair County
Andrew County
Atchison County
Audrain County
Barry County
Barton County
Bates County
Benton County
Bollinger County
Boone County
Buchanan County
Butler County
Caldwell County
Callaway County
Camden County
Cape Girardeau County
Carroll County
Carter County
Cass County
Cedar County
Chariton County
Christian County
Clark County
Clay County
Clinton County
Cole County
Cooper County
Crawford County
Dade County
Dallas County
Daviess County
DeKalb County
Dent County
Douglas County
Dunklin County
Franklin County
Gasconade County
Gentry County
Greene County
Grundy County
Harrison County
Henry County
Hickory County
Holt County
Howard County
Howell County
Iron County
Jackson County
Jasper County
Jefferson County
Johnson County
Knox County
Laclede County
Lafayette County
Lawrence County
Lewis County
Lincoln County
Linn County
Livingston County
Macon County
Madison County
Maries County
Marion County
McDonald County
Mercer County
Miller County
Mississippi County
Moniteau County
Monroe County
Montgomery County
Morgan County
New Madrid County
Newton County
Nodaway County
Oregon County
Osage County
Ozark County
Pemiscot County
Perry County
Pettis County
Phelps County
Pike County
Platte County
Polk County
Pulaski County
Putnam County
Ralls County
Randolph County
Ray County
Reynolds County
Ripley County
Saline County
Schuyler County
Scotland County
Scott County
Shannon County
Shelby County
St. Charles County
St. Clair County
St. Francois County
St. Louis city
St. Louis County
Ste. Genevieve County
Stoddard County
Stone County
Sullivan County
Taney County
Texas County
Vernon County
Warren County
Washington County
Wayne County
Webster County
Worth County
Wright County
Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.
These are the rules, laws and regulations of payday loans in Mississippi.
Mississippi Payday Loan Laws
Mississippi Legislation State Information
Payday Loan Legal Status: Legal -Applies to check cashiers only
Citation:
Miss. Code Ann. § 75-67-501 et seq.
Payday Loan Terms:
Maximum Payday Loan Amount: $400
Payday Loan Term: Max: 30 days
Maximum Payday Loan Finance Rate and Fees: 18% of check
Finance Charge for 14-day $100 loan: $22
APR for 14-day $100 loan: 572%
Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified
Rollovers Permitted: None (cannot renew or otherwise extend)
Cooling-off Period:
Repayment Plan:
Collection Limits:
Payday Loan Collection Fees: NSF fee; Court-awarded fees
Criminal Action: Prohibited – When check returned due to NSF
Regulator: Mississippi Department of Banking and Consumer Finance
Address: 901 Woolfolk Building, Suite A 501 N. West Street Jackson MS 39201
Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.
These are the rules, laws and regulations of payday loans in Minnesota.
Minnesota Payday Loan Laws
Minnesota Legislation State Information
Legal Status: Legal
Citation:
Minn. Stat. § 47.60 et seq.
Payday Loan Terms:
Maximum Loan Amount: $350
Loan Term: Max: 30 days
Maximum Finance Rate and Fees: $5.50: $0-$50; 10%+$5: $51-$100; 7% (min. $10) + $5: $101-$250; 6% (min. $17.50) + $5: $251-$350 (After default: 2.75% per month)
Finance Charge for 14-day $100 loan: $15
APR for 14-day $100 loan: 390%
Payday Loan Debt Limits:
Maximum Number of Outstanding Payday Loans at One Time: Not Specified
Rollovers Permitted: None -cannot repay with proceeds of another loan by same lender
Cooling-off Period:
Repayment Plan:
Regulator: Minnesota Department of Commerce
Address: Division of Financial Examinations
85 7th Place East, Suite 500 St.
Adrian
Albion
Allen Park
Allendale
Alma
Alpena
Ann Arbor
Auburn Hills
Battle Creek
Bay City
Beecher
Benton Harbor
Berkley
Beverly Hills
Big Rapids
Birmingham
Bloomfield Township
Bridgeport
Brighton
Buena Vista
Burton
Cadillac
Canton
Carrollton
Center Line
Charlotte
Clawson
Clinton
Coldwater
Comstock Park
Cutlerville
Dearborn
Dearborn Heights
Detroit
Dowagiac
East Grand Rapids
East Lansing
Eastpointe
Eastwood
Ecorse
Escanaba
Fair Plain
Farmington
Farmington Hills
Fenton
Ferndale
Flat Rock
Flint
Flushing
Forest Hills
Fraser
Garden City
Grand Blanc
Grand Haven
Grand Ledge
Grand Rapids
Grandville
Greenville
Grosse Ile
Grosse Pointe Farms
Grosse Pointe Park
Grosse Pointe Woods
Hamtramck
Harper Woods
Harrison
Haslett
Hastings
Hazel Park
Highland Park
Hillsdale
Holland
Holly
Holt
Houghton
Howell
Hudsonville
Huntington Woods
Inkster
Ionia
Iron Mountain
Ironwood
Ishpeming
Jackson
Jenison
Kalamazoo
Kentwood
Lambertville
Lansing
Lapeer
Lincoln Park
Livonia
Ludington
Madison Heights
Manistee
Marquette
Marshall
Marysville
Mason
Melvindale
Menominee
Midland
Milford
Monroe
Mount Clemens
Mount Pleasant
Muskegon
Muskegon Heights
New Baltimore
Niles
Northview
Northville
Norton Shores
Novi
Oak Park
Okemos
Owosso
Petoskey
Plymouth
Plymouth Township
Pontiac
Port Huron
Portage
Redford
River Rouge
Riverview
Rochester
Rochester Hills
Romulus
Roseville
Royal Oak
Saginaw
Saginaw Township North
Saginaw Township South
Saline
Sault Ste. Marie
Shelby
Shields
South Lyon
South Monroe
Southfield
Southgate
St. Clair Shores
St. Johns
St. Joseph
Sterling Heights
Sturgis
Taylor
Tecumseh
Temperance
Three Rivers
Traverse City
Trenton
Troy
Walker
Walled Lake
Warren
Waterford
Waverly
Wayne
West Bloomfield Township
Westland
Westwood
Whitmore Lake
Wixom
Woodhaven
Wyandotte
Wyoming
Ypsilanti
Alcona County
Alger County
Allegan County
Alpena County
Antrim County
Arenac County
Baraga County
Barry County
Bay County
Benzie County
Berrien County
Branch County
Calhoun County
Cass County
Charlevoix County
Cheboygan County
Chippewa County
Clare County
Clinton County
Crawford County
Delta County
Dickinson County
Eaton County
Emmet County
Genesee County
Gladwin County
Gogebic County
Grand Traverse County
Gratiot County
Hillsdale County
Houghton County
Huron County
Ingham County
Ionia County
Iosco County
Iron County
Isabella County
Jackson County
Kalamazoo County
Kalkaska County
Kent County
Keweenaw County
Lake County
Lapeer County
Leelanau County
Lenawee County
Livingston County
Luce County
Mackinac County
Macomb County
Manistee County
Marquette County
Mason County
Mecosta County
Menominee County
Midland County
Missaukee County
Monroe County
Montcalm County
Montmorency County
Muskegon County
Newaygo County
Oakland County
Oceana County
Ogemaw County
Ontonagon County
Osceola County
Oscoda County
Otsego County
Ottawa County
Presque Isle County
Roscommon County
Saginaw County
Sanilac County
Schoolcraft County
Shiawassee County
St. Clair County
St. Joseph County
Tuscola County
Van Buren County
Washtenaw County
Wayne County
Wexford County
Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.
These are the rules, laws and regulations of payday loans in Michigan.
Michigan Payday Loan Laws
Michigan Legislation State Information
Payday Loan Legal Status: Legal
Citation:
Mich. Comp. Laws 487.2121 et seq.
Payday Loan Terms:
Maximum Payday Loan Amount: $600
Payday Loan Term: Max: 31 days
Maximum Finance Rate and Fees: 15% of first $100, 14% of second $100, 13% of third $100, 12% of fourth $100, 11% of fifth $100, 11% of sixth $100 + any database verification fee
Finance Charge for 14-day $100 Payday loan: $15
APR for 14-day $100 Payday loan: 390%
Payday Loan Debt Limits:
Maximum Number of Outstanding Loans at One Time: One with licensee or more than one with any other licensee
Payday Loan Rollovers Permitted: None – cannot renew; lender may extend only if it does not charge a fee
Cooling-off Period:
Repayment Plan: Yes
Payday Loan Collection Limits:
Collection Fees: One $25 returned check charge
Criminal Action: Prohibited
Regulator:
Michigan Office of Financial and Insurance Services
Address: P.O. Box 30220 Lansing MI 48909
List of cities in Michigan (shown in alphabetical order)
List of counties in Michigan (shown in alphabetical order)
Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.
These are the rules, laws and regulations of payday loans in Massachusetts.
Massachusetts Payday Loan Laws
Massachusetts Legislation State Information
Payday Loan Legal Status: Prohibited
Citation:
Small loan act applies. Mass. Gen. Laws Ann. ch. 140 § 96 et seq.;209 Mass. Code Regs. § 26.01. Check cashiers are specifically prohibited from making loans unless licensed under the small loan act. 209 Mass. Code Regs. § 45:14(8).
Small Loan Rate Cap
23% plus $20 administrative fee upon the granting of a loan
Regulator: Massachusetts Division of Banks
Address: One South Station Boston MA 02110
Abington
Acton
Acushnet
Adams
Agawam
Amesbury
Amherst
Amherst Center
Andover
Arlington
Ashland
Athol
Attleboro
Auburn
Ayer
Barnstable Town
Bedford
Belchertown
Bellingham
Belmont
Beverly
Billerica
Blackstone
Boston
Bourne
Boxford
Braintree
Brewster
Bridgewater
Brockton
Brookline
Burlington
Cambridge
Canton
Carver
Charlton
Chatham
Chelmsford
Chelsea
Chicopee
Clinton
Cochituate
Cohasset
Concord
Dalton
Danvers
Dartmouth
Dedham
Dennis
Dighton
Douglas
Dracut
Dudley
Duxbury
East Bridgewater
East Falmouth
East Longmeadow
Easthampton
Easton
Everett
Fairhaven
Fall River
Falmouth
Fitchburg
Foxborough
Framingham
Franklin
Freetown
Gardner
Georgetown
Gloucester
Grafton
Granby
Great Barrington
Greenfield
Groton
Groveland
Halifax
Hamilton
Hanover
Hanson
Harwich
Haverhill
Hingham
Holbrook
Holden
Holliston
Holyoke
Hopkinton
Hudson
Hull
Ipswich
Kingston
Lakeville
Lancaster
Lawrence
Leicester
Leominster
Lexington
Lincoln
Littleton
Longmeadow
Lowell
Ludlow
Lunenburg
Lynn
Lynnfield
Malden
Mansfield
Mansfield Center
Marblehead
Marlborough
Marshfield
Mashpee
Mattapoisett
Maynard
Medfield
Medford
Medway
Melrose
Merrimac
Methuen
Middleborough
Middleborough Center
Middleton
Milford
Millbury
Millis
Milton
Monson
Montague
Nantucket
Natick
Needham
New Bedford
Newbury
Newburyport
Newton
Norfolk
North Adams
North Amherst
North Andover
North Attleborough
North Attleborough Center
North Reading
Northampton
Northborough
Northbridge
Norton
Norwell
Norwood
Orange
Orleans
Oxford
Palmer
Peabody
Pembroke
Pepperell
Pinehurst
Pittsfield
Plainville
Plymouth
Quincy
Randolph
Raynham
Reading
Rehoboth
Revere
Rockland
Rockport
Rutland
Salem
Salisbury
Sandwich
Saugus
Scituate
Seekonk
Sharon
Shirley
Shrewsbury
Somerset
Somerville
South Hadley
South Yarmouth
Southborough
Southbridge
Southwick
Spencer
Springfield
Sterling
Stoneham
Stoughton
Sturbridge
Sudbury
Sutton
Swampscott
Swansea
Taunton
Templeton
Tewksbury
Topsfield
Townsend
Tyngsborough
Uxbridge
Wakefield
Walpole
Waltham
Ware
Wareham
Watertown
Wayland
Webster
Wellesley
West Boylston
West Bridgewater
West Springfield
West Yarmouth
Westborough
Westfield
Westford
Westminster
Weston
Westport
Westwood
Weymouth
Whitinsville
Whitman
Wilbraham
Williamstown
Wilmington
Winchendon
Winchester
Winthrop
Woburn
Worcester
Wrentham
Yarmouth
Barnstable County
Berkshire County
Bristol County
Dukes County
Essex County
Franklin County
Hampden County
Hampshire County
Middlesex County
Nantucket County
Norfolk County
Plymouth County
Suffolk County
Worcester County
Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.
These are the rules, laws and regulations of payday loans in Maryland.
Maryland Payday Loan Laws
Maryland Legislation State Information
Payday Loan Legal Status: Prohibited
Citation:
Consumer loan act applies. Md. Code Ann. Com. Law II § 12-301 et seq.
Small Loan Rate Cap
2.75% per month; 33% per year.
Regulator: Maryland Commissioner of Financial Regulation
Address:
500 North Calvert Street Suite 402
Baltimore MD 21202
Phone: (410) 230-6100
Fax: (410) 333-3866
Aberdeen
Accokeek
Adelphi
Andrews AFB
Annapolis
Arbutus
Arnold
Aspen Hill
Ballenger Creek
Baltimore
Bel Air
Bel Air North
Bel Air South
Beltsville
Bennsville
Bethesda
Bladensburg
Bowie
Bowleys Quarters
Brooklyn Park
Burtonsville
California
Calverton
Cambridge
Camp Springs
Cape St. Claire
Carney
Catonsville
Chesapeake Ranch Estates-Drum Point
Cheverly
Chevy Chase
Chillum
Clinton
Cloverly
Cockeysville
Colesville
College Park
Columbia
Coral Hills
Crofton
Cumberland
Damascus
Darnestown
Dundalk
East Riverdale
Easton
Edgemere
Edgewood
Eldersburg
Elkridge
Elkton
Ellicott City
Essex
Fairland
Fallston
Ferndale
Forest Glen
Forestville
Fort Meade
Fort Washington
Frederick
Friendly
Frostburg
Gaithersburg
Garrison
Germantown
Glen Burnie
Glenarden
Glenn Dale
Greater Landover
Greater Upper Marlboro
Green Haven
Green Valley
Greenbelt
Hagerstown
Halfway
Havre de Grace
Hillcrest Heights
Hyattsville
Jessup
Joppatowne
Kemp Mill
Kettering
La Plata
Lake Arbor
Lake Shore
Langley Park
Lanham-Seabrook
Lansdowne-Baltimore Highlands
Largo
Laurel
Lexington Park
Linganore-Bartonsville
Linthicum
Lochearn
Londontowne
Lutherville-Timonium
Marlow Heights
Marlton
Maryland City
Mays Chapel
Middle River
Milford Mill
Mitchellville
Montgomery Village
Mount Airy
Mount Rainier
New Carrollton
North Bethesda
North Kensington
North Laurel
North Potomac
Ocean City
Ocean Pines
Odenton
Olney
Overlea
Owings Mills
Oxon Hill-Glassmanor
Parkville
Parole
Pasadena
Perry Hall
Pikesville
Potomac
Randallstown
Redland
Reisterstown
Riverdale Park
Riverside
Riviera Beach
Rockville
Rosaryville
Rosedale
Rossmoor
Rossville
Salisbury
Savage-Guilford
Severn
Severna Park
Silver Spring
South Gate
South Kensington
South Laurel
St. Charles
Suitland-Silver Hill
Takoma Park
Temple Hills
Towson
Travilah
Waldorf
Walker Mill
Westminster
Wheaton-Glenmont
White Marsh
White Oak
Woodlawn
Woodmore
Allegany County
Anne Arundel County
Baltimore city
Baltimore County
Calvert County
Caroline County
Carroll County
Cecil County
Charles County
Dorchester County
Frederick County
Garrett County
Harford County
Howard County
Kent County
Montgomery County
Prince George's County
Queen Anne's County
Somerset County
St. Mary's County
Talbot County
Washington County
Wicomico County
Worcester County
Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.
These are the rules, laws and regulations of payday loans in Louisiana.
Louisiana Payday Loan Laws
Louisiana Legislation State Information
Payday Loan Legal Status: Legal
Citation:
La. Stat. Ann. § 9:3578.1 et seq.
Payday Loan Terms:
Maximum Payday Loan Amount: $350
Payday Loan Term: 60 days
Maximum Finance Rate and Fees: $5 documentation fee + the greater of 16.75% of check or $45 (After default: months 1-12: 36% per year; months 13 and beyond: 18% per year)
Finance Charge for 14-day $100 loan: $25
APR for 14-day $100 loan: 650%
Payday Loan Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified
Rollovers Permitted: None – cannot renew or rollover but licensee may accept partial payment of 25% of amount advanced plus fees and enter into new loan
Cooling-off Period:
Repayment Plan:
Payday Loan Collection Limits:
Collection Fees: One NSF fee of actual bank charge (if disclosed) + the greater of $25 or 5% of check (if disclosed);
Regulator: Louisiana Office of Financial Institutions
Address: P.O. Box 94095 Baton Rouge LA 70804
Phone: (225) 925-4660
Fax: (225) 925-4548
Abbeville
Alexandria
Arabi
Baker
Bastrop
Baton Rouge
Bayou Cane
Belle Chasse
Bogalusa
Bossier City
Breaux Bridge
Bridge City
Brownsville-Bawcomville
Carencro
Chalmette
Claiborne
Covington
Crowley
De Ridder
Denham Springs
Destrehan
Donaldsonville
Eden Isle
Estelle
Eunice
Fort Polk South
Franklin
Galliano
Gardere
Gonzales
Gretna
Hammond
Harahan
Harvey
Houma
Jefferson
Jennings
Kenner
Lacombe
Lafayette
Lake Charles
Laplace
Larose
Leesville
Luling
Mandeville
Marrero
Meraux
Merrydale
Metairie
Minden
Monroe
Morgan City
Moss Bluff
Natchitoches
New Iberia
New Orleans
Oak Hills Place
Oakdale
Opelousas
Pineville
Plaquemine
Prien
Raceland
Rayne
Reserve
River Ridge
Ruston
Scott
Shenandoah
Shreveport
Slidell
St. Martinville
St. Rose
Sulphur
Tallulah
Terrytown
Thibodaux
Timberlane
Village St. George
Ville Platte
Violet
Waggaman
West Monroe
Westwego
Woodmere
Zachary
Acadia Parish
Allen Parish
Ascension Parish
Assumption Parish
Avoyelles Parish
Beauregard Parish
Bienville Parish
Bossier Parish
Caddo Parish
Calcasieu Parish
Caldwell Parish
Cameron Parish
Catahoula Parish
Claiborne Parish
Concordia Parish
De Soto Parish
East Baton Rouge Parish
East Carroll Parish
East Feliciana Parish
Evangeline Parish
Franklin Parish
Grant Parish
Iberia Parish
Iberville Parish
Jackson Parish
Jefferson Davis Parish
Jefferson Parish
La Salle Parish
Lafayette Parish
Lafourche Parish
Lincoln Parish
Livingston Parish
Madison Parish
Morehouse Parish
Natchitoches Parish
Orleans Parish
Ouachita Parish
Plaquemines Parish
Pointe Coupee Parish
Rapides Parish
Red River Parish
Richland Parish
Sabine Parish
St. Bernard Parish
St. Charles Parish
St. Helena Parish
St. James Parish
St. John the Baptist Parish
St. Landry Parish
St. Martin Parish
St. Mary Parish
St. Tammany Parish
Tangipahoa Parish
Tensas Parish
Terrebonne Parish
Union Parish
Vermilion Parish
Vernon Parish
Washington Parish
Webster Parish
West Baton Rouge Parish
West Carroll Parish
West Feliciana Parish
Winn Parish
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