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  • You can’t visit a nearby state to get a payday loan.

  • Lenders can only lend to people in the state that they are licensed in. 

  •  Temporary residents may be able to get a loan if payday lending is legal in your home state.

If you’re facing an emergency expense, a payday loan may seem like a good option. But, you should keep in mind that not every state allows payday loans. If  payday lending is illegal in your state you can’t just go to a different state or visiting an online lender to get a payday loan.



Can I get a payday loan in a different state?

In most cases, the answer is no. You can’t visit a different state to get a payday loan. Even if they’re legal there and in your home state, it is still prohibited, and lenders are obligated to only lend to people in the states they are licensed in. This is because of payday loan laws and regulations, which are different in each state. 


What if I’m living in a different state temporarily?

It depends on your circumstances. If your home state, where you are a permanent resident, has legal payday lending, you may still be able to get a loan. For example, if you’re looking for loans in Texas or temporarily living in Tennessee, there may be options for you. But, if you are living as a temporary resident in a state, a lender will probably need more documentation to confirm your address. You may also be restricted to using a selection of online lenders. You should always remember to consider another state’s laws which may be different than the regulations in your home state.


We will recommend national products

Whilst your state may not offer you a loan, there are national products that Pheabs can offer you such as bank loans or credit cards. We are a connection service, so we will simply be able to recommend the next best product. You may not require a state specific product, but credit cards, for instance, are available to all.


What else can I do?

You won’t be able to borrow a payday loan from a different state, but you aren’t out of options. There are various alternative funding solutions to help you pay for whatever unforeseen expense has come up. Even if you can’t take out a payday loan, take a look at a different opportunity. Have a look at our guide Alternatives To A Payday Loan to find out more.