Payday Loans in New York State: Why the Law Effectively Bans Them
Payday loans are illegal in New York under state usury law. See the caps, NYDFS enforcement, and legal cash options for New Yorkers.
By Carmen Ortiz
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Reporting, analysis, and plain-language explainers on payday loans, state rules, credit scores, and the lower-cost alternatives most borrowers never hear about.
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Ohio Payday Loan Laws After the 2018 Fairness Act
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By Carmen Ortiz
Mississippi Payday Loan Laws: What Borrowers Really Pay
Mississippi lets lenders charge up to $21.95 per $100 with no rate cap. See the exact fee tiers, loan limits, and real APR math under state law.
By Carmen Ortiz
Illinois Payday Loan Laws: What the 36% Cap Means for Borrowers Now
Illinois capped payday loans at 36% APR in 2021. See what the law covers, how IDFPR enforces it, and where to borrow legally now.
By Carmen Ortiz
Getting a Payday Loan on Social Security: Costs and Protections
Can you get a payday loan on Social Security or SSI? See real APR costs, the federal garnishment shield, and cheaper alternatives for benefit income.
By Carmen Ortiz
Washington State Payday Loan Rules: Fees, Limits, and Your Rights
Washington caps payday loans at $700 with a $95 max fee, 8 loans a year, and a free installment plan. Know your rights before you borrow.
By Carmen Ortiz