90-Day Loans by State: Rules and Where to Check

Updated November 1, 2026

90 Day Loan is an independent information site, not a lender or loan broker, and does not make credit decisions. Guides are general information, not financial advice.

Quick answer: States, not just the federal government, decide whether short-term loans are allowed, how big they can be and what they can cost. Some states cap small-loan APRs at 36% or lower; others allow high-cost payday or installment products. Check your state regulator before you borrow.

Because rules change, treat the notes below as a starting point and confirm current law with your state regulator.

Notes on large states

State	What to know	Where to check
California	State law caps interest on many consumer installment loans of $2,500 to $9,999 (about 36% plus the federal funds rate)	California DFPI
Texas	Many short-term loans are arranged through credit access businesses, which can add large fees	Texas Office of Consumer Credit Commissioner
Florida	Permits small deferred-presentment loans, including installment versions, with state limits on size and fees	Florida Office of Financial Regulation
New York	Strict usury limits; payday lending is not permitted	NY Department of Financial Services
Illinois	The Predatory Loan Prevention Act caps most consumer loans at 36% APR	Illinois IDFPR
Ohio	The Short-Term Loan Act limits loans to $1,000 and caps interest and fees	Ohio Division of Financial Institutions

Find your regulator

Use the CSBS state regulator directory or search the lender on NMLS Consumer Access. Active-duty servicemembers and covered dependents are protected by the federal Military Lending Act's 36% Military APR cap in every state.

This guide is general information, not financial advice. Loan rules, rate caps and which products are allowed differ by state. Check a lender's license with your state regulator before you apply.

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Frequently asked questions

Can an online lender ignore my state's rules?

Generally, lenders that lend to residents of a state must follow that state's licensing rules. Some lenders claim exemptions; regulators have challenged many of these. Ask your state regulator if you're unsure.