Which states allow personal loans online?
Updated November 7, 2026
Personal loans are offered online across much of the country, but what is allowed, and at what cost, depends on the state you live in. There is no single national list. USAAllIn takes requests from most states and is not available to residents of 12 places, listed below. Each lender then follows its own state rules.
Where is this service not available?
USAAllIn does not take requests from residents of these places:
- Arizona, Arkansas, Connecticut, the District of Columbia
- Georgia, Maryland, Massachusetts, New Jersey
- New York, Pennsylvania, Vermont, West Virginia
This is our service area and nothing more. It is not a statement about what is legal in those places, and it can change. Lenders may be active in those states through other channels, and there may be credit unions and banks there that can help you.
Can you get a loan from another state?
Plan on the rules of the state you live in applying, not the state the lender sits in. Applying online from your couch does not move you to the lender's state. A small number of lenders operate under arrangements that differ, so ask any lender how it is allowed to lend where you live, and check with your state regulator if the answer is unclear.
The same applies if you are away from home. If you are temporarily in another state, the form still asks for your home address, and lenders work from that.
If your state is on that list, a local credit union or bank is a good first call.
Why do the rules differ so much from state to state?
States set a lot of their own consumer credit rules. Here is what federal consumer agencies say about short term loans, which is where the differences are widest:
- The Consumer Financial Protection Bureau says some states do not have payday lending because the loans are not permitted by state law, and that many state laws set a maximum for payday loan fees, ranging from 10 to 30 dollars for every 100 dollars borrowed (page last reviewed May 28, 2024, read November 7, 2026).
- The Federal Trade Commission says a number of states protect people from high cost payday lending with small loan rate caps or other measures (read November 7, 2026).
- For vehicle title loans, a 2016 CFPB release counted single payment auto title loans in 20 states, with five more allowing only installment versions. That count is ten years old, so treat it as a sign of how much states differ rather than a current list.
How do I check the rules where I live?
Your state financial regulator is the place to ask. It usually goes by a name like the department of banking or the department of financial institutions. Three questions cover most of it:
| Ask | Why it matters |
|---|---|
| Is this lender licensed or registered here? | A lender that cannot answer this is a warning sign. |
| Is this kind of loan allowed here? | Payday and title loans are not permitted everywhere. |
| Is there a cap on cost or amount? | If a cap exists, you can check an offer against it. |
What does my state change about an offer?
Often quite a lot: which lenders can work with you, the amount, the length of the loan, the fees and sometimes whether an offer is possible at all. So two people with similar finances in different states can see very different results. That is one reason we cannot quote a rate on this site. Our guide on how to compare a loan offer shows how to read what you do receive.
Are there rules that apply in every state?
Some federal rules apply nationwide. The FTC says lenders must tell you the cost of a loan in writing before you sign. It also points to the Military Lending Act, which limits the Military Annual Percentage Rate to 36 percent on many types of credit for service members and their dependents.
Frequently asked questions
Where is USAAllIn not available?
This service is not available to residents of New York, New Jersey, Massachusetts, Connecticut, the District of Columbia, Vermont, Maryland, Georgia, Pennsylvania, West Virginia, Arkansas and Arizona.
How do I check a lender in my state?
Search for your state's financial regulator, often the banking or financial institutions department. Ask whether the lender is licensed or registered there, and whether the loan type and cost are allowed.
Does a loan for car trouble follow different rules?
The purpose usually does not change the rules, but the loan type does. See can you get a loan for car repairs and title loan or personal loan.
If you live in a state we serve, one short request is free and you are not obliged to accept anything.
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