Personal Loans
Personal Loan Options by State
Personal loan options vary by state. Lending laws, payday regulations, and lender availability all differ. Select your state to see local credit data and check what options may be available.
All 50 states · State-specific lending rules · Soft pull only
All states
Alabama
Avg score: 692
Alaska
Avg score: 722
Arizona
Avg score: 712
Arkansas
Avg score: 695
California
Avg score: 722
Colorado
Avg score: 731
Connecticut
Avg score: 726
Delaware
Avg score: 714
Florida
Avg score: 707
Georgia
Avg score: 695
Hawaii
Avg score: 732
Idaho
Avg score: 730
Illinois
Avg score: 720
Indiana
Avg score: 712
Iowa
Avg score: 730
Kansas
Avg score: 722
Kentucky
Avg score: 705
Louisiana
Avg score: 690
Maine
Avg score: 731
Maryland
Avg score: 715
Massachusetts
Avg score: 732
Michigan
Avg score: 719
Minnesota
Avg score: 742
Mississippi
Avg score: 680
Missouri
Avg score: 714
Montana
Avg score: 732
Nebraska
Avg score: 731
Nevada
Avg score: 701
New Hampshire
Avg score: 736
New Jersey
Avg score: 724
New Mexico
Avg score: 702
New York
Avg score: 722
North Carolina
Avg score: 709
North Dakota
Avg score: 733
Ohio
Avg score: 716
Oklahoma
Avg score: 696
Oregon
Avg score: 732
Pennsylvania
Avg score: 722
Rhode Island
Avg score: 721
South Carolina
Avg score: 700
South Dakota
Avg score: 734
Tennessee
Avg score: 706
Texas
Avg score: 695
Utah
Avg score: 730
Vermont
Avg score: 737
Virginia
Avg score: 723
Washington
Avg score: 735
West Virginia
Avg score: 702
Wisconsin
Avg score: 738
Wyoming
Avg score: 725
How it works by state
Personal loan options vary by state
Participating lenders in the Harbor Lenders network operate across most U.S. states. Loan availability, amounts, and terms depend on your state of residence, credit profile, income, and lender criteria. Select your state above to see local context and check what may be available.
States where payday lending is restricted (12 states)
Arizona, Arkansas, Connecticut, Georgia, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, Vermont, West Virginia. Residents in these states often have fewer short-term borrowing options. Personal installment loans through a marketplace network may provide an alternative worth checking.
States with regulated short-term lending (29 states)
Alaska, California, Colorado, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Montana, Nebraska, New Hampshire, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Virginia, Washington. State law sets limits on fees and loan amounts. Personal loans through a marketplace often offer longer terms and more transparent pricing than typical short-term products.
States with minimal short-term lending restrictions (9 states)
Alabama, Delaware, Idaho, Mississippi, Nevada, Texas, Utah, Wisconsin, Wyoming. High-cost short-term loans are widely available in these states. Comparing personal loan options through a marketplace first may surface lower-cost alternatives.
Lending rules change frequently. Verify current law with your state regulator.
See Loan Options, Wherever You Are
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