You can send a request from any state, but which lenders can respond, and the amounts and APRs they can offer, depend on your state's rules.
On this page
Check your state
Why availability differs
Consumer lending in the U.S. is mostly regulated by states. Each state decides which lenders need a license, how much they can charge and how long loans can run. Lenders then choose where to operate. That is why two people requesting the same amount in different states can see different offers, or none at all.
Your request goes only to lenders and partners who say they can lend where you live. If an offer is smaller than you asked for, it often reflects your state's limits rather than your profile.
One free request shows what lenders in our network could offer you for $200 to $5,000. No fee, and checking won't affect your credit score.
States with notable rules
New York
New York's civil usury limit is 16% a year, so very few short-term online lenders operate there. Expect fewer offers, mostly from banks, credit unions or lower-rate personal loan lenders.
Arkansas
Arkansas's constitution caps interest on most consumer loans at 17%, so few online short-term lenders serve the state. Credit unions are often the most practical option.
Washington
Lenders who make consumer loans in Washington need a license from the Department of Financial Institutions (DFI). The DFI has issued a consumer alert saying Deer Creek Lending is not licensed in Washington. You can look up any lender at dfi.wa.gov before you sign.
These notes are general information, not legal advice, and state rules change. You can check whether a lender holds a state license on NMLS Consumer Access or your state banking regulator's website.
Tribal lenders and state law
Tribal lenders, including Deer Creek Lending, say they operate under the law of their tribe and federal law rather than state lending law. State regulators do not always agree. Washington's DFI, for example, has warned consumers that lenders tied to the Iipay Nation of Santa Ysabel, including Deer Creek Lending, are not licensed there (Washington DFI). If you take a tribal loan, disputes may go to tribal arbitration rather than your state's courts, so read the agreement carefully.
All states and D.C.
Requests are accepted from all 50 states and the District of Columbia. Whether a lender can make you an offer depends on its licenses and your state rules.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Where Deer Creek Lending lends
Deer Creek Lending says its loans are not available in Arkansas, Connecticut, District of Columbia, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Hampshire, New Mexico, New York, Pennsylvania, Vermont, Virginia, West Virginia, and that the states where it operates change frequently (Availability and Rates). Washington is not on that list, but Washington's DFI has said Deer Creek Lending is not licensed there (Washington DFI). For licensing checks and complaint routes in every state, see state disclosures.
How state rate caps work
States regulate small loans in different ways: some cap the APR, some cap fees per $100, some limit loan size or length, and some ban certain products such as single-payment payday loans. A 36% APR cap is a common benchmark and is the limit the federal Military Lending Act sets for covered service members. Where caps are low, high-cost lenders often stop lending or claim an exemption, as tribal lenders do.
What to do if no lender serves your state
- Check local credit unions and community banks, which often lend to members at regulated rates.
- Ask the biller for a payment plan.
- Look for state or local assistance programs by calling 211.
- Be wary of any online lender that will lend where others will not; check its license first.
Protections for military borrowers
Active-duty service members and their dependents are protected by the Military Lending Act everywhere in the U.S. Covered loans cannot exceed a 36% Military Annual Percentage Rate, which counts most fees, and lenders cannot require a military allotment (CFPB). Many high-cost lenders decline covered borrowers entirely.
If you move to another state
Your loan agreement stays in force when you move, under the law named in the agreement. Update your address with the lender. New loans will follow the rules of the state you live in when you apply.
Questions
Why did I get no offers?
Common reasons are state rules that few lenders operate under, a low credit score, high existing debt or income that is hard to verify. Trying again later or with a smaller amount sometimes helps.
Can I get a loan if I live in New York?
New York's civil usury limit of 16% means few short-term online lenders operate there. Banks, credit unions and lower-rate personal loan lenders are the usual options.
Which states do not allow payday loans?
Several states ban or effectively block high-cost payday lending through rate caps. Rules change, so check your state regulator's website for current law.
Sources
- Washington DFI consumer alert: Iipay Nation of Santa Ysabel lenders not licensed in Washington
- NMLS Consumer Access (look up licensed lenders)
- CFPB: What are my rights under the Military Lending Act?
Why you can trust this page
- Fact-checked October 19, 2026 against the linked sources
- 3 sources linked on this page, mostly primary sources and regulators
- Independent: we are not Deer Creek Lending and are not paid to praise any lender
- Corrections: email [email protected] and we will review it
Written and reviewed by the DeerCreekLendingApply editorial team under our editorial policy. This page is general information, not financial advice.