Find state-specific personal loan information, requirements, and regulations.
Compare average rates, loan amounts, and lending laws across all 50 US states. Each state has unique lending regulations, interest rate caps, and consumer protection laws. Use our comprehensive guide to understand personal loan options in your state.
Showing 50 states
Alabama offers competitive personal loan rates with flexible terms for residents.
Birmingham, Montgomery, Mobile
Alaska residents have access to personal loans with unique state protections.
Anchorage, Fairbanks, Juneau
Arizona provides diverse lending options with competitive rates for personal loans.
Phoenix, Tucson, Mesa
Arkansas offers personal loans with state-specific consumer protections.
Little Rock, Fort Smith, Fayetteville
California offers some of the most competitive personal loan rates in the nation with extensive consumer protections.
Los Angeles, San Francisco, San Diego
Colorado provides flexible personal loan options with reasonable interest rates.
Denver, Colorado Springs, Aurora
Connecticut offers competitive loan rates with strong consumer protection laws.
Hartford, New Haven, Stamford
Delaware provides accessible personal loans with favorable terms.
Wilmington, Dover, Newark
Florida offers diverse personal loan options with competitive rates and flexible terms.
Miami, Orlando, Tampa
Georgia provides competitive personal loan options with state oversight.
Atlanta, Savannah, Augusta
Hawaii offers personal loans with unique island state considerations.
Honolulu, Pearl City, Hilo
Idaho provides accessible personal loans with competitive terms.
Boise, Meridian, Nampa
Illinois offers competitive personal loan rates with strong consumer protections.
Chicago, Aurora, Naperville
Indiana provides flexible personal loan options with reasonable rates.
Indianapolis, Fort Wayne, Evansville
Iowa offers personal loans with competitive rates and consumer protections.
Des Moines, Cedar Rapids, Davenport
Kansas provides accessible personal loans with state oversight.
Wichita, Overland Park, Kansas City
Kentucky offers personal loans with flexible terms and state protections.
Louisville, Lexington, Bowling Green
Louisiana provides personal loan options with state regulatory oversight.
New Orleans, Baton Rouge, Shreveport
Maine offers competitive personal loan rates with consumer protections.
Portland, Lewiston, Bangor
Maryland provides diverse personal loan options with competitive rates.
Baltimore, Columbia, Silver Spring
Massachusetts offers competitive personal loan rates with strong consumer laws.
Boston, Worcester, Springfield
Michigan provides accessible personal loans with reasonable interest rates.
Detroit, Grand Rapids, Warren
Minnesota offers competitive personal loan options with consumer protections.
Minneapolis, St. Paul, Rochester
Mississippi provides personal loans with state regulatory oversight.
Jackson, Gulfport, Southaven
Missouri offers flexible personal loan options with competitive terms.
Kansas City, St. Louis, Springfield
Montana provides personal loans with state oversight and protections.
Billings, Missoula, Great Falls
Nebraska offers competitive personal loan rates with consumer protections.
Omaha, Lincoln, Bellevue
Nevada provides diverse personal loan options with flexible terms.
Las Vegas, Henderson, Reno
New Hampshire offers competitive personal loans with state protections.
Manchester, Nashua, Concord
New Jersey provides competitive personal loan options with strong regulations.
Newark, Jersey City, Paterson
New Mexico offers personal loans with state oversight and protections.
Albuquerque, Las Cruces, Santa Fe
New York offers competitive personal loan rates with comprehensive consumer protections.
New York City, Buffalo, Rochester
North Carolina provides diverse personal loan options with competitive rates.
Charlotte, Raleigh, Greensboro
North Dakota offers personal loans with state regulatory oversight.
Fargo, Bismarck, Grand Forks
Ohio provides competitive personal loan options with consumer protections.
Columbus, Cleveland, Cincinnati
Oklahoma offers flexible personal loan terms with state oversight.
Oklahoma City, Tulsa, Norman
Oregon provides competitive personal loans with strong consumer protections.
Portland, Salem, Eugene
Pennsylvania offers diverse personal loan options with competitive rates.
Philadelphia, Pittsburgh, Allentown
Rhode Island provides personal loans with state protections and oversight.
Providence, Warwick, Cranston
South Carolina offers competitive personal loan rates with state oversight.
Charleston, Columbia, Greenville
South Dakota provides personal loans with flexible terms and regulations.
Sioux Falls, Rapid City, Aberdeen
Tennessee offers personal loans with competitive rates and state protections.
Nashville, Memphis, Knoxville
Texas provides extensive personal loan options with competitive rates and flexible terms for residents across the state.
Houston, Dallas, Austin
Utah offers competitive personal loans with reasonable rates and terms.
Salt Lake City, West Valley City, Provo
Vermont provides personal loans with state oversight and consumer protections.
Burlington, Essex, South Burlington
Virginia offers competitive personal loan rates with comprehensive regulations.
Virginia Beach, Norfolk, Richmond
Washington provides competitive personal loans with strong consumer protections.
Seattle, Spokane, Tacoma
West Virginia offers personal loans with state regulatory oversight.
Charleston, Huntington, Morgantown
Wisconsin provides diverse personal loan options with competitive rates.
Milwaukee, Madison, Green Bay
Wyoming offers personal loans with flexible terms and state protections.
Cheyenne, Casper, Laramie
Personal loan regulations vary significantly across the United States. Understanding your state's specific regulations helps you:
Some states consistently offer lower average interest rates due to competitive markets and favorable regulations:
These states allow higher maximum loan amounts for qualified borrowers:
Lending laws and regulations can change. Always verify current requirements with your state's banking department or financial regulatory agency. The information provided here is for general educational purposes and should not be considered legal or financial advice.
States like New York, Massachusetts, and New Jersey typically have strong consumer protection laws with strict interest rate caps and comprehensive licensing requirements for lenders.
Florida, Georgia, and North Carolina offer diverse lending options with varying regulations, balancing consumer protection with market competition.
Illinois, Ohio, and Michigan often follow the Uniform Consumer Credit Code, providing consistent protections across the region with moderate rates and reasonable maximum loan amounts.
Texas and Arizona feature competitive lending markets with substantial consumer choice, higher loan limits, and flexible terms.
California, Washington, and Oregon offer comprehensive regulations, competitive rates, high loan limits, and strong borrower safeguards.
Yes. Many online lenders operate across multiple states, but they must be licensed where you live and follow your state's regulations, including interest rate caps and disclosure requirements.
State laws set maximum interest rates that lenders can charge. Your credit profile determines where you fall within those limits, so both factors influence your final rate.
Most states require lenders to be licensed, provide clear disclosures, follow fair lending practices, and limit certain fees. Many offer complaint processes through state regulatory agencies.
While core requirements are similar, some states have additional documentation needs, waiting periods, or consumer disclosures. Check with lenders licensed in your area for specifics.
Contact your state banking department or financial regulatory agency. Most maintain online databases of licensed lenders. Always verify a lender before sharing personal information.
California, New York, Massachusetts, Washington, and New Jersey typically see the lowest averages thanks to competitive markets and strong consumer protections.
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