Your state, the type of loan, the lender and other factors can all affect whether a loan is available to you.
Breezy Financial is not a lender. We connect consumers with lenders and lending partners that may be able to consider their requests.
Online personal loans aren't governed by one set of rules across the United States. A loan that is available to a consumer in one state may not be available to someone in another state.
State laws may affect:
Because these rules can vary significantly, the availability, APR and repayment terms of a personal loan will depend on the lender and your location.
The CFPB confirms that some states prohibit payday lending while others permit it subject to licensing and other restrictions.
Personal loans are generally loans made for personal, family or household purposes.
The amount, APR, fees, term and eligibility requirements vary by lender and state.
Availability varies by lender and location.
Installment loans are generally repaid through multiple scheduled payments over a specified period.
Some states regulate these loans differently from traditional payday loans.
Availability and terms vary by lender and location.
Some short-term, small-dollar loans may be considered payday loans, deferred-presentment loans or other high-cost credit products, depending on the structure of the loan and applicable state law.
These products are subject to significant state-by-state differences.
They may be unavailable or heavily restricted in some states.
Select your state to learn more about loan availability in your area.
The information above is provided for general educational purposes and is not a determination that a particular loan is available or legal for a particular consumer. Loan availability depends on the lender or lending partner, loan product, your location, eligibility and applicable law.
Loan availability depends on:
This table is a general educational overview and is not a statement that a particular loan product is available, unavailable, legal or illegal in your state. State lending laws, regulations and licensing requirements can change. The actual availability of a loan depends on the lender or lending partner, the specific loan product, your location, eligibility and applicable federal, state and tribal law.
| State | General online lending landscape | |
|---|---|---|
| Alabama | Online personal and small-dollar lending may be available through qualifying lenders, subject to state requirements. | |
| Arizona | Payday-style lending is highly restricted; other personal-loan products may be available subject to state law and lender eligibility. | |
| California | Certain small-dollar lending products are permitted subject to specific limits and licensing requirements; other loans may also be available. | |
| New York | Payday-style lending is prohibited/restricted; other personal-loan products may be available subject to applicable law. | |
| Texas | Personal and small-dollar lending may be available subject to applicable state and local requirements. |
| State | General online lending landscape |
|---|
For the most current information, consult the appropriate state financial regulator or Attorney General.
FIND YOUR STATE REGULATOR ›Some short-term loans may be considered payday loans depending on the loan's structure, amount, term and applicable law. The terminology and legal treatment can differ between states.
Before accepting a loan, review the APR, finance charge, total repayment amount and all terms and fees.
Some lenders may operate under tribal jurisdiction. The legal treatment can be different from loans made by state-licensed lenders. Tribal affiliation does not automatically mean that state law does not apply — the specific facts matter.
We do not make lending decisions or set loan terms. We connect you with lenders and lending partners that may be able to consider your request based on your location and other factors.
Your state and other information help determine which lenders or lending partners may be able to consider your request.
Your request may be transmitted to lenders, lending partners or aggregators that may be able to consider it.
The lender or lending partner determines whether it can offer you a loan and what terms may apply.
If you receive an offer, review the complete loan agreement and disclosures before accepting it.
No. Breezy Financial is an independent loan-connecting service. We do not make loans or determine loan terms.
Not necessarily. Loan availability depends on the lender or lending partner, loan product, your location, eligibility and applicable law.
No. Some states prohibit or heavily restrict payday lending, while others permit it subject to licensing, fee, loan-amount, term and other requirements.
Possibly. The legal classification depends on the structure of the loan and applicable state law.
Some lenders may be affiliated with federally recognized tribes or tribal entities. Tribal lending can involve additional jurisdictional considerations. Tribal affiliation does not automatically determine whether state law applies.
No. Lenders and lending partners are responsible for determining where they can lawfully offer their products and for complying with applicable requirements.
Loan products, rates, fees, amounts and terms can vary based on state law, lender policies and individual eligibility.
No. Submitting a request does not guarantee that you'll receive an offer or loan.
Get started with your simple online request.
Breezy Financial is not a lender and does not make loans, cash advances or credit decisions. Breezy Financial is an independent loan-connecting service and may receive compensation from lenders and/or lending partners for forwarding consumer information to them. Your information may be provided to an aggregator, lender, lending partner or other third party. Not all lenders and/or lending partners can provide every type of loan, loan amount, rate or term, and we do not guarantee that you will obtain a loan. Availability, APR and repayment terms for a personal loan will vary by state and lender. State and federal laws, regulations and lender licensing requirements may restrict or prohibit certain loan products in certain locations. Some loans may be classified as payday loans, deferred-presentment transactions, cash advances, installment loans or other forms of consumer credit depending on their structure and applicable law. Some lenders may be affiliated with federally recognized Native American tribes or tribal entities. Tribal lending may involve different jurisdictional considerations. Tribal affiliation does not necessarily determine whether state law applies. The lender is responsible for determining where and how it may lawfully offer its products. Please review the complete terms, disclosures and applicable loan agreement provided by any lender before accepting an offer. Lenders and/or lending partners may perform a credit check to determine your creditworthiness and may report payment activity to credit reporting agencies where permitted by applicable law. Lenders and/or lending partners are solely responsible to you for all aspects of any loan request or resulting loan transaction, including applicable disclosures and compliance with applicable laws and regulations. This service is not available in all states, and the states serviced by this website may change from time to time without notice. Short-term loans can be an expensive form of credit and are not intended to be a long-term financial solution. Please use short-term loans responsibly.