Ohio Payday Loan Laws After the 2018 Fairness Act
See Ohio's current payday loan rules under HB 123: the 28% rate cap, loan limits, and real costs before you borrow.
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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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
California Payday Loan Rate Cap: What AB 539 Did and Didn't Touch
California's payday loan rate cap from AB 539 caps installment loans at 36%, but the 459% CDDTL payday product is untouched. The two regimes, six years on.
By Carmen Ortiz