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Why we are not in every state
Consumer lending is licensed state by state, and each licence has its own application, capital requirement, examination schedule and product rules. We enter a state when we can offer a product there that is both compliant and worth offering, which for some states means a longer wait. See rate caps by state for why the rules differ so much.
What to do in the meantime
Being outside our footprint does not leave you without options, and several cost less than we do.
- A credit union payday alternative loan, capped at 28% APR nationally.
- A cash advance app, for amounts under a few hundred dollars.
- A payment plan with whoever you owe, which is usually free and rarely advertised.
- 211, for local rent, energy and food assistance that does not need repaying.
- A non-profit credit counsellor through the NFCC, free of charge.
Where we lend today
Twenty-four states, listed on states we serve. If your state is on that list and you were sent here, check licenses, because product availability differs within a state depending on which licence we hold there.
Frequently asked questions
Why do you not lend in my state?
Consumer lending is licensed state by state, each with its own application, capital requirement and product rules. We enter a state when we can offer a product there that is both compliant and worth offering.
What will you do with my email?
Send one message when we are licensed in your state, and nothing else. We do not pass these addresses to partners or lead buyers.
Where can I borrow in the meantime?
A credit union payday alternative loan is capped at 28% APR nationally, and cash advance apps cover smaller amounts. A payment plan with whoever you owe is usually free, and 211 connects you to local assistance that does not need repaying.
Is it safe to borrow from lenders advertising in states with few licensed options?
Check any lender against your state regulator's licensee list first. Unlicensed and tribal lenders target states where licensed options are scarce, sometimes with APRs above 800%.
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