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Payday Lending in the United States
  • There is limited regulation of payday lending in the U.S. Ten states, plus the District of Columbia, prohibit payday lending altogether. Thirty-one states have placed regulatory constraints on the industry.
  • Regulations imposed by state governments include caps on fees and loan amounts and limits on the number of times a loan can be renewed. For example, four states (CT, MT, NH, and OR) set maximum APRs for 14-day loans of $100 , while six (DE, ID, NV, SD, UT, and WI) set no limit. Notably, Missouri has the highest allowable rate — 1,950 percent.
  • In absolute terms, Texas, California and Kentucky have the most payday lending stores, with more than 1,000 operating in each state.

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Sources: Survey of state regulatory authorities, Consumer Federation of America ( and authors.

  • The source of the data in this chart has been taken from "Do state regulations affect payday lender concentration?" by James R. Barth, Jitka Hilliard, John S. Jahera, Yanfei Sun.

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  • Chart prepared by Katie Lebling

    Payday Lending in the United States