South Carolina Payday Loan Laws: Limits, Fees, and Your Rights
South Carolina caps payday loans at $550 with a 15% fee and one loan at a time. See the SC Code rules and your payment plan rights.
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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North Carolina Payday Loan Laws: How the 2001 Ban Works
North Carolina banned payday lending in 2001. See the statute, the 16% rate cap, how tribal lenders still target residents, and where to report one.
By Carmen Ortiz
Federal Allotment Loans: Rules, Costs, and Red Flags
Federal allotment loans deduct straight from your paycheck. Learn the OPM and DFAS rules, the 36% MLA cap, real costs, and red flags before signing.
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Virginia Payday Loan Laws: The 36% Cap Explained
Virginia's Fairness in Lending Act caps short-term loans at 36% plus fees. See the real limits and what changed since 2021.
By Carmen Ortiz
Georgia Payday Loan Laws: The Felony-Track Payday Ban
Georgia bans payday loans outright and treats repeat violations as a felony. See the statute, penalties, and legal alternatives here.
By Carmen Ortiz
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.
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