Online financial platform · Loan rules, companies & costs
Every state's lending rules, companies & costs — on one map
LendMap USA maps small-dollar lending in America across five products — payday, installment, title, personal and emergency loans — for all 51 jurisdictions: legal ceilings, real storefronts, the statute behind each number and the regulator to call when a lender breaks it. Then compare real offers where the product is legal.
Services
Every way to borrow, mapped to the law
Every product gets the same treatment: the legal ceiling in your state, the storefronts on record, and the regulator to call.
Payday loans $100–$1,000
Legal in 24 states and priced there by statute — every amount from $100 to $1,000, state by state.
Installment loans Up to $5,000
5,414 storefronts on record — the structured product that fits under the caps.
Title loans Up to ~$10,000
1,736 locations put your car on the line — where they are, and the risk in plain numbers.
Personal loans $5,000–$35,000
The online route: banks, credit unions and fintechs pricing by credit profile — and the checks before you apply.
Emergency cash Any size
The fastest legal options, ranked from free to expensive — with the ceiling at every rung.
Mortgage loans Soon
The next vertical on the map: state rules for home-secured lending, built on the same primary-source method.
Exit 1 · State rules
Choose your state
Green means storefront payday lending is allowed under state caps; yellow and orange mark restricted regimes; red means payday loans are not permitted at all.
- Allowed — storefront payday lending permitted
- 36% APR cap — payday pricing priced out
- CSO model — brokered loans
- Not permitted
Tiles sit in their approximate geographic position — find your state by shape, not alphabet. Tap a state for its current limits, sample costs and regulator contact.
Map colors reflect each state's storefront payday regime from the September 2026 dataset — installment, title, personal and emergency loans follow their own rulebooks, covered on every state page.
Exit 2 · Loan companies
The chains behind the storefronts
6,763 consumer-lending storefronts are in our directory snapshot, and most of them belong to a handful of chains. Each chain guide maps its locations against the legal regime of every state it works in.
Exit 3 · Real costs
The same $300 loan, six states apart
Payday pricing is set state by state. The samples below come straight from each state's statute and fee schedule — the numbers a compliant lender must charge.
| State | Regime | Max loan | Fee cap | $300 borrowed → repaid | ≈ APR |
|---|---|---|---|---|---|
| California | Allowed | $300 | 15% of face value ($17.65 per $100 advanced) | $300 → $345 | 460% |
| Texas | CSO model | No fixed dollar cap | No state fee cap ($20-$25 per $100 typical CSO fee + 10% interest cap) | $300 → $360 | 400% - 600% |
| Mississippi | Allowed | $500 | $20 per $100 advanced | $300 → $360 | 521% |
| Wisconsin | Allowed | 1 loan at a time | No fee cap (set by contract) | $300 → $360 | 516% - 574% |
| New York | Not permitted | — | 16% APR Cap | Not permitted | Max 16% |
| Washington, D.C. | Not permitted | — | 24% APR Cap | Not permitted | Max 24% |
Why LendMap
Why choose LendMap USA
Plenty of sites list loan companies. We built the reference layer underneath them: primary-source law, real storefronts and honest math — the parts other sites skip.
Every store on the map is a real place
6,763 storefront locations across 1,659 cities, deduplicated from a public business directory — nothing invented to pad the count. A listing out of date? Report it and we correct it.
The statute is on the page
Every state page names its governing statute and links the regulator's own site — so you can check any number against the law itself, not against our word. The dataset is re-verified on every refresh.
All 51 rulebooks, plainly sorted
24 states allow storefront payday lending, 13 cap small-loan APR at 36%, 1 run the CSO broker model and 13 ban it. Where it is banned we say so — and show no loan offers at all.
Costs come from the cap, not from ads
Sample costs are computed from each state's own fee schedule — the numbers a compliant lender must charge. If an offer lands above the legal ceiling, that is not a deal, that is a red flag.
We show you the business model
LendMap USA is ad-supported: apply through our form and the partner network may compensate us. That is disclosed on every page — and it never bends the legal numbers.
No fake urgency, no fake reviews
No countdown timers, no "guaranteed approval", no invented testimonials. Where the law changed, the refresh stamp shows when we caught it.
How to use LendMap
Four moves, in order
| 1 | Pick your product and your state. The services above route five ways to borrow; your state page sets the legal ceiling — max loan, max term, fee cap. That is the most any compliant lender there may charge you. |
| 2 | Price the loan. The cost tables turn each state's fee schedule into exact totals — $100 to $1,000 for payday, statutory caps for the rest. If an offer comes in above the ceiling, walk away — it is being made outside the law. |
| 3 | See who actually lends there. Every city guide lists the storefronts on record with addresses and phones, and chain guides map each company's footprint against state rules. |
| 4 | Keep the regulator's name handy. Every state page links to the agency that licenses consumer lenders and takes complaints — and if an offer looks right, compare it against the partner network before you sign anything. |
An independent map of a legal maze
LendMap USA is a free, ad-supported online platform for state small-dollar lending rules. It answers one question precisely: what is a lender legally allowed to charge you in your state? The answer lives in state law, not in lender advertising — so the law is what we publish, with the statute cited and the regulator one click away.
51 jurisdictions, 5,202 city guides and 6,763 real storefronts, every rule paired with its legal source. Sponsored placements are labelled, and in states where payday lending is banned we show no loan offers at all.
We label the vintage of every dataset instead of pretending it is live: state rules re-verified September 2026, storefront snapshot collected February 2022. Verified corrections ship in the next refresh — the corrections inbox is open on every page.