Loans by state · 50 states + DC
What lenders can offer where you live.
State law decides three things before any lender does: the most you can borrow, the most it can cost, and whether a 14–90-day short-term loan is allowed at all. This table shows which FrontPay loan types are offered in each state and who regulates the lenders there.
51states + DC
28offer short-term loans
51offer installment & personal
| State | Short-term loan $200–$1,500 · 14–90 days | Installment loan $500–$5,000 · 3–24 mo | Personal loan $2,000–$5,000 · 12–24 mo | Regulator · license check |
|---|---|---|---|---|
| ALAlabamaMost requested | Offered | Offered | Offered | Alabama State Banking DepartmentCheck a lender's license ↗ |
| AKAlaska | Offered | Offered | Offered | Alaska Division of Banking & SecuritiesCheck a lender's license ↗ |
| AZArizonaMost requested | Not offered · 36% cap | Offered | Offered | Arizona Department of Insurance and Financial InstitutionsCheck a lender's license ↗ |
| ARArkansas | Not offered · 36% cap | Offered | Offered | Arkansas Securities DepartmentCheck a lender's license ↗ |
| CACaliforniaMost requested | Offered | Offered | Offered | California Department of Financial Protection and Innovation (DFPI)Check a lender's license ↗ |
| COColorado | Not offered · 36% cap | Offered | Offered | Colorado Attorney General, UCCC AdministratorCheck a lender's license ↗ |
| CTConnecticut | Not offered · 36% cap | Offered | Offered | Connecticut Department of BankingCheck a lender's license ↗ |
| DEDelaware | Offered | Offered | Offered | Delaware Office of the State Bank CommissionerCheck a lender's license ↗ |
| DCDistrict of Columbia | Not offered · 36% cap | Offered | Offered | DC Department of Insurance, Securities and BankingCheck a lender's license ↗ |
| FLFloridaMost requested | Offered | Offered | Offered | Florida Office of Financial RegulationCheck a lender's license ↗ |
| GAGeorgiaMost requested | Not offered · 36% cap | Offered | Offered | Georgia Department of Banking and FinanceCheck a lender's license ↗ |
| HIHawaii | Not offered · 36% cap | Offered | Offered | Hawaii Division of Financial InstitutionsCheck a lender's license ↗ |
| IDIdaho | Offered | Offered | Offered | Idaho Department of FinanceCheck a lender's license ↗ |
| ILIllinoisMost requested | Not offered · 36% cap | Offered | Offered | Illinois Department of Financial and Professional RegulationCheck a lender's license ↗ |
| INIndianaMost requested | Offered | Offered | Offered | Indiana Department of Financial InstitutionsCheck a lender's license ↗ |
| IAIowa | Offered | Offered | Offered | Iowa Division of BankingCheck a lender's license ↗ |
| KSKansas | Offered | Offered | Offered | Kansas Office of the State Bank CommissionerCheck a lender's license ↗ |
| KYKentucky | Offered | Offered | Offered | Kentucky Department of Financial InstitutionsCheck a lender's license ↗ |
| LALouisianaMost requested | Offered | Offered | Offered | Louisiana Office of Financial InstitutionsCheck a lender's license ↗ |
| MEMaine | Offered | Offered | Offered | Maine Bureau of Consumer Credit ProtectionCheck a lender's license ↗ |
| MDMaryland | Not offered · 36% cap | Offered | Offered | Maryland Commissioner of Financial RegulationCheck a lender's license ↗ |
| MAMassachusetts | Not offered · 36% cap | Offered | Offered | Massachusetts Division of BanksCheck a lender's license ↗ |
| MIMichiganMost requested | Offered | Offered | Offered | Michigan Department of Insurance and Financial ServicesCheck a lender's license ↗ |
| MNMinnesota | Not offered · 36% cap | Offered | Offered | Minnesota Department of CommerceCheck a lender's license ↗ |
| MSMississippi | Offered | Offered | Offered | Mississippi Department of Banking and Consumer FinanceCheck a lender's license ↗ |
| MOMissouriMost requested | Offered | Offered | Offered | Missouri Division of FinanceCheck a lender's license ↗ |
| MTMontana | Not offered · 36% cap | Offered | Offered | Montana Division of Banking and Financial InstitutionsCheck a lender's license ↗ |
| NENebraska | Not offered · 36% cap | Offered | Offered | Nebraska Department of Banking and FinanceCheck a lender's license ↗ |
| NVNevadaMost requested | Offered | Offered | Offered | Nevada Financial Institutions DivisionCheck a lender's license ↗ |
| NHNew Hampshire | Not offered · 36% cap | Offered | Offered | New Hampshire Banking DepartmentCheck a lender's license ↗ |
| NJNew Jersey | Not offered · 36% cap | Offered | Offered | New Jersey Department of Banking and InsuranceCheck a lender's license ↗ |
| NMNew Mexico | Not offered · 36% cap | Offered | Offered | New Mexico Financial Institutions DivisionCheck a lender's license ↗ |
| NYNew York | Not offered · 36% cap | Offered | Offered | New York Department of Financial ServicesCheck a lender's license ↗ |
| NCNorth CarolinaMost requested | Not offered · 36% cap | Offered | Offered | North Carolina Commissioner of BanksCheck a lender's license ↗ |
| NDNorth Dakota | Offered | Offered | Offered | North Dakota Department of Financial InstitutionsCheck a lender's license ↗ |
| OHOhioMost requested | Offered | Offered | Offered | Ohio Division of Financial InstitutionsCheck a lender's license ↗ |
| OKOklahomaMost requested | Offered | Offered | Offered | Oklahoma Department of Consumer CreditCheck a lender's license ↗ |
| OROregon | Offered | Offered | Offered | Oregon Division of Financial RegulationCheck a lender's license ↗ |
| PAPennsylvaniaMost requested | Not offered · 36% cap | Offered | Offered | Pennsylvania Department of Banking and SecuritiesCheck a lender's license ↗ |
| RIRhode Island | Offered | Offered | Offered | Rhode Island Department of Business RegulationCheck a lender's license ↗ |
| SCSouth CarolinaMost requested | Offered | Offered | Offered | South Carolina Department of Consumer AffairsCheck a lender's license ↗ |
| SDSouth Dakota | Not offered · 36% cap | Offered | Offered | South Dakota Division of BankingCheck a lender's license ↗ |
| TNTennesseeMost requested | Offered | Offered | Offered | Tennessee Department of Financial InstitutionsCheck a lender's license ↗ |
| TXTexasMost requested | Offered | Offered | Offered | Texas Office of Consumer Credit CommissionerCheck a lender's license ↗ |
| UTUtahMost requested | Offered | Offered | Offered | Utah Department of Financial InstitutionsCheck a lender's license ↗ |
| VTVermont | Not offered · 36% cap | Offered | Offered | Vermont Department of Financial RegulationCheck a lender's license ↗ |
| VAVirginia | Not offered · 36% cap | Offered | Offered | Virginia Bureau of Financial InstitutionsCheck a lender's license ↗ |
| WAWashington | Offered | Offered | Offered | Washington Department of Financial InstitutionsCheck a lender's license ↗ |
| WVWest Virginia | Not offered · 36% cap | Offered | Offered | West Virginia Division of Financial InstitutionsCheck a lender's license ↗ |
| WIWisconsinMost requested | Offered | Offered | Offered | Wisconsin Department of Financial InstitutionsCheck a lender's license ↗ |
| WYWyoming | Offered | Offered | Offered | Wyoming Division of BankingCheck a lender's license ↗ |
No state matches that. Try the two-letter abbreviation.
Offered through licensed lenders in our networkNot offered: state caps small-loan APR at or near 36%
Availability as understood in October 2026 from state small-loan statutes; re-checked monthly. Amounts and APRs within each product are further limited by state law and shown on your offer. The lender's offer, not this page, is the binding statement of what's available to you.
Three things your state
decides for you.
- The ceiling. Many states cap short-term loans at $500–$1,000 and some cap installment loans too. Your offer never exceeds it, so a $5,000 request in a $2,500 state comes back at $2,500.
- The price. Rate caps range from 36% APR in the strictest states to no cap at all in a few. The same borrower can see very different offers across a state line.
- The product. Where the cap is 36%, short-term loans don't exist; installment loans do. Where short-term loans are allowed, state law usually limits rollovers and sets a cooling-off period.
Every lender in our network signs a responsible lending pledge on top of state law: no upfront fees, no loan stacking, a hardship option if you fall behind.
State questions
More in the full FAQ.
Why isn't the short-term loan offered in my state?
22 states and DC cap the APR on small loans at or near 36%. A 14–90-day loan can't be priced under that cap, so lenders don't offer it there. Installment and personal loans still are, at rates that fit the cap. The table shows which is which.
Does my state set the maximum I can borrow?
Often, yes. Many states cap small-loan amounts (commonly $500–$2,500 for short-term products) and some cap installment amounts too. Your offer reflects your state's ceiling automatically; you won't be shown an amount you can't legally be lent.
How do I check that a lender is licensed in my state?
Every lender in the FrontPay network is state-licensed where it lends. You can confirm any lender yourself on NMLS Consumer Access, the national licensing registry, by searching the lender's name on your offer. The lender's name and license appear on the offer before you sign.
I'm moving. Which state's rules apply?
The state where you live when you apply, which is the address on your application and your ID. If you move during the loan, the contract you signed still governs it.
Is FrontPay itself licensed?
FrontPay USA is a loan-connection service, not a lender, and registers where state law requires it. The loan contract is always with the licensed lender named on your offer, and their license number is on the paperwork. How to verify us
Why does the table say "as understood in October 2026"?
State lending law changes, sometimes mid-year. We re-check this table monthly against regulator sites, but the lender's offer, not this page, is the binding statement of what's available to you.