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State-by-State Availability (Payday and Small-Dollar Lending)

This table summarizes high-level availability. Exact products, caps, fees, and terms vary by state and lender and can change. Always rely on the lender’s state-specific disclosures and your regulator’s guidance. Table updated: .

State Code FIPS Payday status Installment loans Notes
Sources for state codes and regulatory notes

Note: Regulatory specifics (caps, fees, terms) can change. Verify on your state page, NMLS Consumer Access, or the state regulator.