Personal Loans
Personal Loan Options by State
Harbor Lenders connects borrowers with participating lenders across 49 states. Select your state to see local credit data, lending rules, and check what options may be available.
No hard credit pull · Free to check · ~2 minutes
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
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
Lending landscape
How short-term lending laws vary by state
States with payday lending restrictions (11 states)
Arizona, Arkansas, Connecticut, Georgia, Maryland, Massachusetts, New Jersey, North Carolina, Pennsylvania, Vermont, West Virginia. In these states, high-cost payday loans are effectively prohibited or tightly capped. Personal loan options through a marketplace network may still be available.
States with regulated payday 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. These states allow payday loans under specific fee caps, loan limits, or APR restrictions.
States with minimal payday restrictions (9 states)
Alabama, Delaware, Idaho, Mississippi, Nevada, Texas, Utah, Wisconsin, Wyoming. These states place few limits on payday loan costs. APRs can exceed 400–600% on short-term loans.
Harbor Lenders is not a payday lender and does not make lending decisions. This information is provided for educational purposes. Lending rules change frequently — verify current law with your state regulator.
Check your options — wherever you are
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