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 Colorado.
Colorado State Information
Payday Loan Legal Status: Legal
Citation:
Colo. Rev. Stat. § 5-3.1-101 et seq.
Payday Loan Terms:
Maximum Payday Loan Amount: $500
Payday Loan Term: Max: 40 days
Maximum Finance Rate and Fees: 20%: $0-$300 + 7.5%: $301-$500
Finance Charge for 14-day $100 payday loan: $20
APR for 14-day $100 loan: 520%
Payday Loan Debt Limits:
Maximum Number of Outstanding Payday Loans at One Time: One
Rollovers Permitted: One
Cooling-off Period:
Repayment Plan:
Payday Loan Collection Limits:
Collection Fees: One $25 NSF fee; Court Costs; Reasonable Attorney’s Fees not to exceed loan amount
Criminal Action: Prohibited – Unless the consumer’s account was closed before the agreed upon negotiation date
Regulator: Colorado Office of the Attorney General
Address: Uniform Consumer Credit Code, 1525 Sherman St., 5th Fl. Denver CO 80203
Phone: (303) 866-4494
Fax: (303) 866-5691
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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 California.
California Payday Loan Laws & Legislation State Information
The Legal Status of payday loans : Legal
Citation:
Cal. Fin. Code §§ 23000 to 23106
Payday Loan Terms:
Maximum Payday Loan Amount: $300
Payday Loan Term: Max: 31 days
Maximum Finance Rate and Fees: 15% of check
Finance Charge for 14-day $100 payday loan: $17.65
APR for 14-day $100 payday loan: 459%
Payday Loan Debt Limits:
Maximum Number of Outstanding Loans at One Time: 1
Rollovers Permitted: None
Cooling-off Period: None
Repayment Plan: Voluntary – no fees can be charged in conjunction with a payment plan
Address:
Financial Services Division
1515 K Street, Suite 200
Sacramento CA 95814
Phone: (866) 275-2677
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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 Arkansas.
Arkansas Payday Loan Law and Legislation
The Legal Status of payday loans : Legal
: Applies to check cashers only
Citation:
Ark. Code. Ann. § 23-52-101 et seq.; Ark. Const. art. 19, § 13
Payday Loan Terms:
Maximum Payday Loan Amount: $400
Payday Loan Term: 6-31 days
Maximum Finance Rate and Fees: 10% of check and $10 and a ID card charge of $5
Finance Charge for 14-day $100 payday loan: $22.22
APR for 14-day $100 payday loan: 579%
Payday Loan Debt Limits:
Maximum Number of Outstanding Loans at One Time: One per location
Rollovers Permitted: None – You cannot renew or consolidate
Cooling-off Period:
Repayment Plan:
Criminal Action: Prohibited – Unless check was returned due to a closed bank account and stop-payment by the checking account maker
Arkansas Payday Loan Information:
Regulator: Arkansas State Board of Collection Agencies
Address: Division of Check-Cashing Companies, 523 Louisiana Street, Suite 460 Little Rock AR 72201
Phone: (501) 371-1434
Fax: (501) 371-1440
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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 Arizona.
Official Arizona Department of Financial Institutions
The Legal Status of payday loans: Legal
Citation:
Ariz. Rev. Stat. § 6-1251 et seq.
Payday Loan Terms:
Maximum Loan Amount: $500
Loan Term: Min: 5 days
Maximum Finance Rate and Fees: 15% of check
Finance Charge for 14-day $100 payday loan: $17.65
APR for 14-day $100 payday loan: 459%
Payday Loan Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: Three
Cooling-off Period:
Repayment Plan:
Payday Loan Collection Limits:
Collection Fees: $25 NSF fee + actual charges assessed by the financial institution
Criminal Action: Prohibited
Regulator: Arizona Department of Financial Institutions
Address: Financial Enterprises Division, 2910 N. 44th Street, Suite 310 Phoenix AZ 85018
Phone: (800) 544-0708
Fax: (602) 381-1225
Payday Loan Licensing Information
Arizona Payday Loan License Application
Licensing
Arizona Department of Financial Institutions
2910 N. 44th Street, Suite 310
Phoenix, AZ 85018
Aguila
Ajo
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Apache County
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AZ
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Yuma 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 Alaska.
State of Alaska Payday Loan Information
The Legal Status payday loans: Legal
Citation:
Alaska Statute 06.50.100 et seq.
Payday Loan Terms:
Maximum Payday Loan Amount: $500
Payday Loan Term: 10-31 days
Maximum Finance Rate and Fees: 17.5%
Finance Charge for 14-day $100 loan: $17.50
The APR for 14-day $100 payday loan: 456.25%
Payday Loan Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified
Rollovers Permitted: Two
Cooling-off Period:
Repayment Plan: Yes
Payday Loan Collection Limits:
Collection Fees: $30 NSF fee; Court costs of up to $700 over the amount of the payment (if disclosed in loan agreement)
Criminal Action: Prohibited (Unless check returned due to closed account)
Alaska Payday Loan Information:
Regulator: Alaska Division of Banking and Securities
Address: P.O. Box 110807 Juneau AK 99811
Phone: (888) 925-2521
Fax: (907) 465-2549
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 Alabama.
State of Alabama Payday Loan Laws and
State of Alabama Payday Loan Legislation
The Legal Status payday loans: Legal
Citation:
Ala. Code § 5-18A-1 et seq.
Payday Loan Terms:
Maximum Payday Loan Amount: $500
Payday Loan Term: 10-31 days
Maximum Finance Rate and Fees: 17.50%
Finance Charge for 14-day $100 payday loan: $17.50
The APR for 14-day $100 payday loan: 456.25%
Payday Loan Debt Limits:
Maximum Number of Outstanding Loans at One Time: None
Maximum Dollar amount of payday loan is $500
Rollovers Permitted: One
Cooling-off Period: Next business day after 2 continuous loans repaid
Repayment Plan: Yes
Payday Loan Collection Limits:
Collection Fees:
One $30 NSF fee for returned check
Local Court Costs
Reasonable Attorney’s Fees up to 15% of face amount of check
Criminal Action: Prohibited – Unless is check returned due to closed account
Alabama Payday Loan Information:
Regulator: Alabama Banking Department
Address: P.O. Box 4600 Montgomery AL 36103
Phone: (334) 242-3452
Fax: (334) 353-5961
Abbeville
Abernant
Adamsville
Addison
Adger
AL
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