$800 Payday Loan: Legal Cost in All 51 Jurisdictions

7 allow this size · 18 capped below $800 · 13 priced out by 36% APR · 13 prohibited

How to read the table. Where the state fixes the fee in statute, the total is computed from that schedule — exact to the cent. Where pricing is set by contract, no total is invented; the statutory rule is shown, and the state's official typical example appears only at its own sample size. "Income-based" means the cap is a share of your gross monthly income, not a fixed dollar figure.

State	Regime	$800 available?	Total repaid	Fee schedule
Alabama	Allowed	No — max $500	—	17.5% of loan amount ($17.50 per $100)
Alaska	Allowed	No — max $500	—	15% of face value + $5 fee
Arizona	Not permitted	Not permitted	—	36% APR Cap
Arkansas	Not permitted	Not permitted	—	17% APR Cap
California	Allowed	No — max $300	—	15% of face value ($17.65 per $100 advanced)
Colorado	36% APR cap	Priced out	—	36% APR Cap
Connecticut	Not permitted	Not permitted	—	36% APR Cap
Delaware	Allowed	Yes	—	No fee cap (set by contract)
Florida	Allowed	No — max $500	—	10% of loan amount + $5 verification fee
Georgia	Not permitted	Not permitted	—	16% APR Cap
Hawaii	36% APR cap	Priced out	—	36% APR Cap
Idaho	Allowed	Yes	—	No fee cap (set by contract)
Illinois	36% APR cap	Priced out	—	36% APR Cap
Indiana	Allowed	No — max $550	—	15% on first $250, 13% on $250-$400, 10% on $400-$550
Iowa	Allowed	No — max $500	—	$15 on first $100, plus $10 per additional $100
Kansas	Allowed	No — max $500	—	15% of cash advance ($15 per $100)
Kentucky	Allowed	No — max $500	—	$15 per $100 advanced + $1 database fee
Louisiana	Allowed	No — max $350	—	16.75% of check amount ($16.75 per $100) + $10 documentation fee
Maine	36% APR cap	Priced out	—	36% APR Cap
Maryland	Not permitted	Not permitted	—	33% APR Cap
Massachusetts	Not permitted	Not permitted	—	23% APR Cap
Michigan	Allowed	No — max $600	—	15% on first $100, 14% on 2nd $100, 13% on 3rd $100, 12% on 4th $100, 11% on 5th & 6th $100
Minnesota	36% APR cap	Priced out	—	36% APR Cap
Mississippi	Allowed	No — max $500	—	$20 per $100 advanced
Missouri	Allowed	No — max $500	—	75% of initial principal limit for interest/fees combined
Montana	36% APR cap	Priced out	—	36% APR Cap
Nebraska	36% APR cap	Priced out	—	36% APR Cap
Nevada	Allowed	Income-based	—	No fee cap (set by contract)
New Hampshire	36% APR cap	Priced out	—	36% APR Cap
New Jersey	Not permitted	Not permitted	—	30% APR Cap
New Mexico	36% APR cap	Priced out	—	36% APR Cap
New York	Not permitted	Not permitted	—	16% APR Cap
North Carolina	Not permitted	Not permitted	—	30% APR Cap
North Dakota	Allowed	No — max $500	—	20% of loan amount ($20 per $100)
Ohio	36% APR cap	Priced out	—	28% APR + $10 monthly fee (36% APR Cap)
Oklahoma	Allowed	No — max $500	—	$15 per $100 for first $300, $10 per $100 above $300
Oregon	36% APR cap	Priced out	—	36% APR + 10% loan fee (up to $30)
Pennsylvania	Not permitted	Not permitted	—	6% APR Cap
Rhode Island	Allowed	No — max $500	—	15% of amount advanced ($15 per $100)
South Carolina	Allowed	No — max $550	—	15% of face value of check ($15 per $100)
South Dakota	36% APR cap	Priced out	—	36% APR Cap
Tennessee	Allowed	No — max $500	—	15% of face value of check ($17.65 per $100 advanced)
Texas	CSO model	Yes	—	No state fee cap ($20-$25 per $100 typical CSO fee + 10% interest cap)
Utah	Allowed	Yes	—	No fee cap (set by contract)
Vermont	Not permitted	Not permitted	—	24% APR Cap
Virginia	36% APR cap	Priced out	—	36% APR + $25 monthly maintenance fee
Washington	Allowed	No — max $700	—	15% on first $500 ($15 per $100), 10% on amount over $500
Washington, D.C.	Not permitted	Not permitted	—	24% APR Cap
West Virginia	Not permitted	Not permitted	—	31.5% APR Cap
Wisconsin	Allowed	Yes	—	No fee cap (set by contract)
Wyoming	Allowed	Yes	$800 → $960	Greater of $30 or 20% of principal per month ($20 per $100)

Every cost is the state's statutory fee schedule applied to $800 — not a lender offer, not an average. Dataset refreshed September 2026; each state page links its governing statute so you can check the math against the law.

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Questions people ask about a $800 payday loan

Where is a $800 payday loan cheapest?

Among the states that fix the fee by statute, the lowest cost is in Wyoming: a $800 loan carries $160 in fees — $960 repaid. The full table shows every state's schedule; several share the same rate.

Where can't I borrow $800 with a payday loan?

13 states prohibit storefront payday lending outright. In 18 more the legal maximum is below $800 — Alabama (max $500), Alaska (max $500), California (max $300), Florida (max $500) and others. And in 13 states a 36% APR cap prices classic two-week fees out of the market, so no compliant lender offers this product there.

Does a bigger payday loan cost proportionally more?

Not always. Several states drop the marginal rate as the amount grows. In Michigan the statutory fee per successive $100 falls from $15 to $11 — a $100 loan costs $15, $300 costs $42, and $600 costs $76. In the flat-rate states each additional $100 costs the same as the last.

What if I need $800 but my state won't allow it?

If your state caps payday amounts below $800, no lender there may legally offer one — an online lender making the offer anyway is operating outside the law and is worth reporting to your state regulator. Legal alternatives: a federal credit-union PAL ($200–$2,000 at a 28% APR ceiling), an installment loan under your state's cap, an employer advance, or a payment plan with the bill you are covering.

LendMap USA is an information platform, not a lender: the figures here are legal ceilings computed from state statutes, not offers of credit.

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Questions people ask about a $800 payday loan