Bear Loan in your state.
Loan rules are set state by state. Pick yours to see which Bear Loan products are offered, the legal limits, and who licenses the lenders.
Where each product is available
Tap a state. Green states allow short-term loans; dark states offer installment and personal loans only.
State-by-state table
Payday-style limits come from state law; installment and personal loan limits are set by each lender within state rules.
| State | Bear Loan products | Max payday-style amount | Installment & personal | Licensing regulator |
|---|---|---|---|---|
| AlabamaAL | Short-term availablePayday-style loans allowed | $500 | Yes | State Banking Department |
| AlaskaAK | Short-term availablePayday-style loans allowed | $500 | Yes | Division of Banking & Securities |
| ArizonaAZ | Installment & personal onlyPayday lending prohibited | — | Yes | Dept. of Insurance & Financial Institutions |
| ArkansasAR | Installment & personal onlyPayday lending prohibited | — | Yes | Securities Department |
| CaliforniaCA | Short-term availablePayday-style loans allowed | $300 | Yes | Dept. of Financial Protection & Innovation (DFPI) |
| ColoradoCO | Installment & personal onlyRate-capped / restricted | $500 · 36% cap | Yes | Attorney General, UCCC |
| ConnecticutCT | Installment & personal onlyPayday lending prohibited | — | Yes | Department of Banking |
| DelawareDE | Short-term availablePayday-style loans allowed | $1,000 | Yes | Office of the State Bank Commissioner |
| District of ColumbiaDC | Installment & personal onlyPayday lending prohibited | — | Yes | Dept. of Insurance, Securities & Banking |
| FloridaFL | Short-term availablePayday-style loans allowed | $500 | Yes | Office of Financial Regulation |
| GeorgiaGA | Installment & personal onlyPayday lending prohibited | — | Yes | Dept. of Banking & Finance |
| HawaiiHI | Installment & personal onlyRate-capped / restricted | Installment only since 2022 | Yes | DCCA Division of Financial Institutions |
| IdahoID | Short-term availablePayday-style loans allowed | $1,000 | Yes | Department of Finance |
| IllinoisIL | Installment & personal onlyRate-capped / restricted | 36% cap | Yes | IDFPR |
| IndianaIN | Short-term availablePayday-style loans allowed | $605 | Yes | Department of Financial Institutions |
| IowaIA | Short-term availablePayday-style loans allowed | $500 | Yes | Division of Banking |
| KansasKS | Short-term availablePayday-style loans allowed | $500 | Yes | Office of the State Bank Commissioner |
| KentuckyKY | Short-term availablePayday-style loans allowed | $500 | Yes | Department of Financial Institutions |
| LouisianaLA | Short-term availablePayday-style loans allowed | $350 | Yes | Office of Financial Institutions |
| MaineME | Installment & personal onlyRate-capped / restricted | Restricted | Yes | Bureau of Consumer Credit Protection |
| MarylandMD | Installment & personal onlyPayday lending prohibited | — | Yes | Commissioner of Financial Regulation |
| MassachusettsMA | Installment & personal onlyPayday lending prohibited | — | Yes | Division of Banks |
| MichiganMI | Short-term availablePayday-style loans allowed | $600 | Yes | Dept. of Insurance & Financial Services |
| MinnesotaMN | Installment & personal onlyRate-capped / restricted | $350 · 36% cap | Yes | Department of Commerce |
| MississippiMS | Short-term availablePayday-style loans allowed | $500 | Yes | Dept. of Banking & Consumer Finance |
| MissouriMO | Short-term availablePayday-style loans allowed | $500 | Yes | Division of Finance |
| MontanaMT | Installment & personal onlyRate-capped / restricted | $300 · 36% cap | Yes | Division of Banking & Financial Institutions |
| NebraskaNE | Installment & personal onlyRate-capped / restricted | $500 · 36% cap | Yes | Dept. of Banking & Finance |
| NevadaNV | Short-term availablePayday-style loans allowed | 25% of monthly income | Yes | Financial Institutions Division |
| New HampshireNH | Installment & personal onlyRate-capped / restricted | $500 · 36% cap | Yes | Banking Department |
| New JerseyNJ | Installment & personal onlyPayday lending prohibited | — | Yes | Dept. of Banking & Insurance |
| New MexicoNM | Installment & personal onlyRate-capped / restricted | 36% cap | Yes | Financial Institutions Division |
| New YorkNY | Installment & personal onlyPayday lending prohibited | — | Yes | Department of Financial Services |
| North CarolinaNC | Installment & personal onlyPayday lending prohibited | — | Yes | Commissioner of Banks |
| North DakotaND | Short-term availablePayday-style loans allowed | $500 | Yes | Department of Financial Institutions |
| OhioOH | Short-term availablePayday-style loans allowed | $1,000 · 28% + fees | Yes | Division of Financial Institutions |
| OklahomaOK | Short-term availablePayday-style loans allowed | $500 | Yes | Department of Consumer Credit |
| OregonOR | Installment & personal onlyRate-capped / restricted | 36% + origination fee | Yes | Division of Financial Regulation |
| PennsylvaniaPA | Installment & personal onlyPayday lending prohibited | — | Yes | Dept. of Banking & Securities |
| Rhode IslandRI | Short-term availablePayday-style loans allowed | $500 | Yes | Dept. of Business Regulation |
| South CarolinaSC | Short-term availablePayday-style loans allowed | $550 | Yes | Board of Financial Institutions |
| South DakotaSD | Installment & personal onlyRate-capped / restricted | $500 · 36% cap | Yes | Division of Banking |
| TennesseeTN | Short-term availablePayday-style loans allowed | $500 | Yes | Department of Financial Institutions |
| TexasTX | Short-term availablePayday-style loans allowed | Set by lender (CAB) | Yes | Office of Consumer Credit Commissioner |
| UtahUT | Short-term availablePayday-style loans allowed | Set by lender | Yes | Department of Financial Institutions |
| VermontVT | Installment & personal onlyPayday lending prohibited | — | Yes | Dept. of Financial Regulation |
| VirginiaVA | Installment & personal onlyRate-capped / restricted | $2,500 · 36% + fee | Yes | Bureau of Financial Institutions (SCC) |
| WashingtonWA | Short-term availablePayday-style loans allowed | $700 | Yes | Department of Financial Institutions |
| West VirginiaWV | Installment & personal onlyPayday lending prohibited | — | Yes | Division of Financial Institutions |
| WisconsinWI | Short-term availablePayday-style loans allowed | $1,500 | Yes | Department of Financial Institutions |
| WyomingWY | Short-term availablePayday-style loans allowed | Set by lender | Yes | Division of Banking |
Limits summarized from public state statutes and regulator guidance; they change. "Yes" for installment and personal means lenders in our network may offer them — availability still depends on each lender. Not legal advice.
Live in a capped or prohibited state? You still have options.
Installment loans
$500 – $5,000 repaid monthly over 3–24 months. Available in most capped states, usually at lower APRs than payday products. Installment loans
Personal loans
$2,000 – $5,000 with a fixed APR over 6–36 months — for consolidation or bigger planned costs. Personal loans
Cheaper alternatives
Credit-union payday alternative loans (capped at 28% APR), employer advances and biller payment plans. See alternatives
Every state, in brief
Bear Loan in Alabama Short-term available
Short-term loans are allowed in Alabama, with the maximum payday-style amount generally set at $500. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the State Banking Department.
Bear Loan in Alaska Short-term available
Short-term loans are allowed in Alaska, with the maximum payday-style amount generally set at $500. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Division of Banking & Securities.
Bear Loan in Arizona Installment & personal only
Payday lending is prohibited in Arizona. Bear Loan does not offer short-term loans here, but installment and personal loan offers from lenders licensed by the Dept. of Insurance & Financial Institutions may be available.
Bear Loan in Arkansas Installment & personal only
Payday lending is prohibited in Arkansas. Bear Loan does not offer short-term loans here, but installment and personal loan offers from lenders licensed by the Securities Department may be available.
Bear Loan in California Short-term available
Short-term loans are allowed in California, with the maximum payday-style amount generally set at $300. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Dept. of Financial Protection & Innovation (DFPI).
Bear Loan in Colorado Installment & personal only
Colorado caps small-loan rates (around 36% APR) or restricts payday-style products, so short-term loans are not offered here. Installment and personal loan offers from lenders licensed by the Attorney General, UCCC are still available — often at lower cost than in payday states.
Bear Loan in Connecticut Installment & personal only
Payday lending is prohibited in Connecticut. Bear Loan does not offer short-term loans here, but installment and personal loan offers from lenders licensed by the Department of Banking may be available.
Bear Loan in Delaware Short-term available
Short-term loans are allowed in Delaware, with the maximum payday-style amount generally set at $1,000. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Office of the State Bank Commissioner.
Bear Loan in District of Columbia Installment & personal only
Payday lending is prohibited in District of Columbia. Bear Loan does not offer short-term loans here, but installment and personal loan offers from lenders licensed by the Dept. of Insurance, Securities & Banking may be available.
Bear Loan in Florida Short-term available
Short-term loans are allowed in Florida, with the maximum payday-style amount generally set at $500. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Office of Financial Regulation.
Bear Loan in Georgia Installment & personal only
Payday lending is prohibited in Georgia. Bear Loan does not offer short-term loans here, but installment and personal loan offers from lenders licensed by the Dept. of Banking & Finance may be available.
Bear Loan in Hawaii Installment & personal only
Hawaii caps small-loan rates (around 36% APR) or restricts payday-style products, so short-term loans are not offered here. Installment and personal loan offers from lenders licensed by the DCCA Division of Financial Institutions are still available — often at lower cost than in payday states.
Bear Loan in Idaho Short-term available
Short-term loans are allowed in Idaho, with the maximum payday-style amount generally set at $1,000. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Department of Finance.
Bear Loan in Illinois Installment & personal only
Illinois caps small-loan rates (around 36% APR) or restricts payday-style products, so short-term loans are not offered here. Installment and personal loan offers from lenders licensed by the IDFPR are still available — often at lower cost than in payday states.
Bear Loan in Indiana Short-term available
Short-term loans are allowed in Indiana, with the maximum payday-style amount generally set at $605. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Department of Financial Institutions.
Bear Loan in Iowa Short-term available
Short-term loans are allowed in Iowa, with the maximum payday-style amount generally set at $500. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Division of Banking.
Bear Loan in Kansas Short-term available
Short-term loans are allowed in Kansas, with the maximum payday-style amount generally set at $500. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Office of the State Bank Commissioner.
Bear Loan in Kentucky Short-term available
Short-term loans are allowed in Kentucky, with the maximum payday-style amount generally set at $500. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Department of Financial Institutions.
Bear Loan in Louisiana Short-term available
Short-term loans are allowed in Louisiana, with the maximum payday-style amount generally set at $350. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Office of Financial Institutions.
Bear Loan in Maine Installment & personal only
Maine caps small-loan rates (around 36% APR) or restricts payday-style products, so short-term loans are not offered here. Installment and personal loan offers from lenders licensed by the Bureau of Consumer Credit Protection are still available — often at lower cost than in payday states.
Bear Loan in Maryland Installment & personal only
Payday lending is prohibited in Maryland. Bear Loan does not offer short-term loans here, but installment and personal loan offers from lenders licensed by the Commissioner of Financial Regulation may be available.
Bear Loan in Massachusetts Installment & personal only
Payday lending is prohibited in Massachusetts. Bear Loan does not offer short-term loans here, but installment and personal loan offers from lenders licensed by the Division of Banks may be available.
Bear Loan in Michigan Short-term available
Short-term loans are allowed in Michigan, with the maximum payday-style amount generally set at $600. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Dept. of Insurance & Financial Services.
Bear Loan in Minnesota Installment & personal only
Minnesota caps small-loan rates (around 36% APR) or restricts payday-style products, so short-term loans are not offered here. Installment and personal loan offers from lenders licensed by the Department of Commerce are still available — often at lower cost than in payday states.
Bear Loan in Mississippi Short-term available
Short-term loans are allowed in Mississippi, with the maximum payday-style amount generally set at $500. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Dept. of Banking & Consumer Finance.
Bear Loan in Missouri Short-term available
Short-term loans are allowed in Missouri, with the maximum payday-style amount generally set at $500. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Division of Finance.
Bear Loan in Montana Installment & personal only
Montana caps small-loan rates (around 36% APR) or restricts payday-style products, so short-term loans are not offered here. Installment and personal loan offers from lenders licensed by the Division of Banking & Financial Institutions are still available — often at lower cost than in payday states.
Bear Loan in Nebraska Installment & personal only
Nebraska caps small-loan rates (around 36% APR) or restricts payday-style products, so short-term loans are not offered here. Installment and personal loan offers from lenders licensed by the Dept. of Banking & Finance are still available — often at lower cost than in payday states.
Bear Loan in Nevada Short-term available
Short-term loans are allowed in Nevada, with the maximum payday-style amount generally set at 25% of monthly income. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Financial Institutions Division.
Bear Loan in New Hampshire Installment & personal only
New Hampshire caps small-loan rates (around 36% APR) or restricts payday-style products, so short-term loans are not offered here. Installment and personal loan offers from lenders licensed by the Banking Department are still available — often at lower cost than in payday states.
Bear Loan in New Jersey Installment & personal only
Payday lending is prohibited in New Jersey. Bear Loan does not offer short-term loans here, but installment and personal loan offers from lenders licensed by the Dept. of Banking & Insurance may be available.
Bear Loan in New Mexico Installment & personal only
New Mexico caps small-loan rates (around 36% APR) or restricts payday-style products, so short-term loans are not offered here. Installment and personal loan offers from lenders licensed by the Financial Institutions Division are still available — often at lower cost than in payday states.
Bear Loan in New York Installment & personal only
Payday lending is prohibited in New York. Bear Loan does not offer short-term loans here, but installment and personal loan offers from lenders licensed by the Department of Financial Services may be available.
Bear Loan in North Carolina Installment & personal only
Payday lending is prohibited in North Carolina. Bear Loan does not offer short-term loans here, but installment and personal loan offers from lenders licensed by the Commissioner of Banks may be available.
Bear Loan in North Dakota Short-term available
Short-term loans are allowed in North Dakota, with the maximum payday-style amount generally set at $500. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Department of Financial Institutions.
Bear Loan in Ohio Short-term available
Short-term loans are allowed in Ohio, with the maximum payday-style amount generally set at $1,000 · 28% + fees. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Division of Financial Institutions.
Bear Loan in Oklahoma Short-term available
Short-term loans are allowed in Oklahoma, with the maximum payday-style amount generally set at $500. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Department of Consumer Credit.
Bear Loan in Oregon Installment & personal only
Oregon caps small-loan rates (around 36% APR) or restricts payday-style products, so short-term loans are not offered here. Installment and personal loan offers from lenders licensed by the Division of Financial Regulation are still available — often at lower cost than in payday states.
Bear Loan in Pennsylvania Installment & personal only
Payday lending is prohibited in Pennsylvania. Bear Loan does not offer short-term loans here, but installment and personal loan offers from lenders licensed by the Dept. of Banking & Securities may be available.
Bear Loan in Rhode Island Short-term available
Short-term loans are allowed in Rhode Island, with the maximum payday-style amount generally set at $500. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Dept. of Business Regulation.
Bear Loan in South Carolina Short-term available
Short-term loans are allowed in South Carolina, with the maximum payday-style amount generally set at $550. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Board of Financial Institutions.
Bear Loan in South Dakota Installment & personal only
South Dakota caps small-loan rates (around 36% APR) or restricts payday-style products, so short-term loans are not offered here. Installment and personal loan offers from lenders licensed by the Division of Banking are still available — often at lower cost than in payday states.
Bear Loan in Tennessee Short-term available
Short-term loans are allowed in Tennessee, with the maximum payday-style amount generally set at $500. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Department of Financial Institutions.
Bear Loan in Texas Short-term available
Short-term loans are allowed in Texas, with the maximum payday-style amount generally set at Set by lender (CAB). Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Office of Consumer Credit Commissioner.
Bear Loan in Utah Short-term available
Short-term loans are allowed in Utah, with the maximum payday-style amount generally set at Set by lender. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Department of Financial Institutions.
Bear Loan in Vermont Installment & personal only
Payday lending is prohibited in Vermont. Bear Loan does not offer short-term loans here, but installment and personal loan offers from lenders licensed by the Dept. of Financial Regulation may be available.
Bear Loan in Virginia Installment & personal only
Virginia caps small-loan rates (around 36% APR) or restricts payday-style products, so short-term loans are not offered here. Installment and personal loan offers from lenders licensed by the Bureau of Financial Institutions (SCC) are still available — often at lower cost than in payday states.
Bear Loan in Washington Short-term available
Short-term loans are allowed in Washington, with the maximum payday-style amount generally set at $700. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Department of Financial Institutions.
Bear Loan in West Virginia Installment & personal only
Payday lending is prohibited in West Virginia. Bear Loan does not offer short-term loans here, but installment and personal loan offers from lenders licensed by the Division of Financial Institutions may be available.
Bear Loan in Wisconsin Short-term available
Short-term loans are allowed in Wisconsin, with the maximum payday-style amount generally set at $1,500. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Department of Financial Institutions.
Bear Loan in Wyoming Short-term available
Short-term loans are allowed in Wyoming, with the maximum payday-style amount generally set at Set by lender. Through Bear Loan you can request short-term, installment and personal loan offers from lenders licensed by the Division of Banking.
State availability FAQ
Everything else is in the full FAQ — or read borrower reviews from your state.
Why can't I get a short-term loan in my state?
Some states prohibit payday-style lending or cap rates at about 36% APR, which short-term lenders don't offer under. Installment and personal loan offers are usually still available in those states.
Does the law of my state or the lender's state apply?
Your state's law applies. Lenders in our network must be licensed in the state where you live, and the limits on amount, term and cost come from that state.
What does 'maximum amount' mean in the table?
The largest payday-style loan a lender may legally make in that state. Lenders often cap lower, and the amount you're offered depends on your income. Installment and personal loans have separate, usually higher limits.
Can I apply if I'm travelling or stationed in another state?
Eligibility is based on your state of residence (your address), not where you are when you apply. Active-duty servicemembers and dependents are covered by the Military Lending Act's 36% cap regardless of state.
How do I check a lender's license?
Every state regulator in the table keeps a public license search. Your agreement shows the lender's legal name; look it up before you sign.
Is this table legal advice?
No. It summarizes public state rules at the time of writing and may lag changes. Confirm current limits with your state regulator or the lender's disclosure.
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