Choose your state
Alabama (AL)
Short-term + installment permitted
Arizona (AZ)
APR cap — installment only
California (CA)
Short-term + installment permitted
Colorado (CO)
APR cap — installment only
Florida (FL)
Short-term + installment permitted
Georgia (GA)
APR cap — installment only
Illinois (IL)
APR cap — installment only
Indiana (IN)
Short-term + installment permitted
Kentucky (KY)
Short-term + installment permitted
Louisiana (LA)
Short-term + installment permitted
Michigan (MI)
Short-term + installment permitted
Minnesota (MN)
APR cap — installment only
Mississippi (MS)
Short-term + installment permitted
Missouri (MO)
Short-term + installment permitted
Nevada (NV)
Short-term + installment permitted
North Carolina (NC)
APR cap — installment only
Ohio (OH)
Short-term + installment permitted
Oklahoma (OK)
Short-term + installment permitted
Oregon (OR)
APR cap — installment only
Pennsylvania (PA)
APR cap — installment only
South Carolina (SC)
Short-term + installment permitted
Tennessee (TN)
Short-term + installment permitted
Texas (TX)
Short-term + installment permitted
Utah (UT)
Short-term + installment permitted
Virginia (VA)
APR cap — installment only
Washington (WA)
Short-term + installment permitted
Wisconsin (WI)
Short-term + installment permitted
Two kinds of states
| State type | What it means for small loans | States on this site |
|---|---|---|
| APR-capped (≈36%) | No traditional payday loans; licensed installment loans within the cap | GA, NC, IL, PA, AZ, VA, CO, MN, OR |
| Short-term permitted | Payday/deferred-presentment loans licensed with limits on amount, fees, rollovers; installment loans also available | TX, FL, CA, OH, MI, TN, IN, MO, WA, SC, AL, LA, KY, OK, NV, MS, UT, WI |
Does your state matter on Lenme?
Less than you'd think. Lenme's investors see your state and some filter by it, but the bigger drivers of whether you're funded are bank history, the Lenme Predict score, and your request size. Where state matters is cost: investors funding residents of capped states must stay within the cap. If you're in a state not listed above, the same process applies — submit a request here and lenders serving your state will respond if they can.
Not sure what your state allows?
Submit one free request; lenders licensed for your state respond in minutes with full disclosures.
How we compiled state information
State rules summarized here come from each state's consumer-lending statutes and regulator publications as of October 2026 and are simplified for readability. Laws change; verify specifics with the regulator named on each state page before relying on them. Nothing here is legal advice.
Frequently asked questions
Which states is Lenme available in?
Lenme does not publish a list. Reviews note it is not available in all states; eligibility is confirmed inside the app after verification.
Why are payday loans illegal in some states?
Those states cap small-loan APRs (often 36%), which makes two-week payday pricing unprofitable. Licensed installment lenders still operate within the cap.
Is my state missing?
We cover 27 states so far. The request form works for all U.S. states; lenders serving yours will respond if available.
Sources
Facts on this page were checked against the following sources on 2026-10-27. Links open in a new tab.