About Us

Payday Loans Reviews (paydayloansreviews.org) is an independent information site about small-dollar borrowing in the United States. We break down what each state allows for payday loans, cash advances, installment loans and online tribal loans. We show what a loan actually costs in dollars, not just percentages. And we point you to cheaper licensed options — especially credit unions and their Payday Alternative Loans, or PALs. The site name tells you our priority: before you sign with a high-cost lender, you should know whether a credit union near you could lend the same amount for far less.

You'll also find a free loan-request form on the site. Payday Loans Reviews is not a lender and does not make loan decisions. If you submit a request, it may be shared with lenders in a network. Each lender decides on its own whether to offer a loan and on what terms. Lenders set rates and fees themselves. There is no promise of approval or of a fast decision.

• State rules — one page for each of the 50 states covering payday loan limits, installment loan APR caps, how online lenders fit under state law, and which regulator licenses lenders and takes complaints.
• Loan guides by type — separate pages for Payday Loans, Cash Advance, Installment Loans and Tribal Loans, with a page for every state and more than 1,200 cities, plus calculators that translate loan costs into actual dollars.
• Local directories — loan company offices, banks, credit unions and pawn shops listed by state and city, with addresses and phone numbers.
• Practical guides — short articles on how to get a specific amount in a specific city and what it will cost under that state's law.

We build every page from public sources and update when those sources change.

• State lending laws and state financial regulators for payday and small-loan rules.
• State-by-state surveys from the National Consumer Law Center (NCLC) to cross-check installment loan APR caps.
• FDIC BankFind data for banks and bank branches, plus NCUA data for credit unions.
• Company websites and public map listings for loan company offices, and Overture Maps data for pawn shops.
• U.S. Census Bureau data for population, household income and rent.
• Federal rules — the Truth in Lending Act (Regulation Z), Regulation E, the Military Lending Act and NCUA rules for PALs — covering protections that apply in every state.

• Facts first: rules, limits and costs come from the sources above, and calculated examples are labeled as examples.
• Costs shown in dollars, not just percentages, so you can compare a loan against your rent or paycheck.
• Neutral directories: we list licensed businesses as public information and do not rank or review them.
• We always show the cheaper option, including credit union loans and PALs.
• Plain language and no pressure: no 'guaranteed approval' claims and no countdown offers.

Payday Loans Reviews is not a lender, and we do not make loan or credit decisions. We are not representatives, brokers or agents of any lender. The site contains links to third-party websites, and accessing them may result in a commission. If you submit a request through the site, your information is shared with participating lenders, who make their own decisions; submitting a request does not guarantee an offer. Sponsored placements are labeled. Commissions do not change the state rules, costs or directory listings we publish. See our Advertiser Disclosure, Privacy Policy and Terms of Use for details.

Laws, fees and business listings change. If you spot an outdated rule, a closed office or any other error, please tell us through our Contact page and we'll review it. For questions about a specific loan, contact your lender directly; to report a lender, contact your state regulator or the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov.

Nothing on this site is legal or financial advice. Personal loans won't fix every budget problem — if you're facing serious financial difficulties, consider talking to a nonprofit credit counselor first. Start today: check your state's rules page to see the APR cap where you live, then search the credit union directory to find a PAL near you.