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Not allowed in the District of Columbia

Payday loans are not allowed in the District of Columbia

District of Columbia law does not allow payday loans, so there is no request form for them here. Here are other options and free help in the District of Columbia.

Last updated .

BadCreditMD is not a lender or broker. We explain your options; a lending network partner shares requests with lenders, who set their own rates and decide whether to lend. See disclosures.

Part of the District of Columbia guide

Why this is not available

District of Columbia law does not allow payday loans, so we show no request form. Read the law: D.C. Law 17-14, Consumer Protection Amendment Act of 2007; D.C. Code Section 28-3301. Regulator: DC Department of Insurance, Securities and Banking (DISB).

District of Columbia law does not allow payday loans, so there is no request form for them. See Other options in the District of Columbia and free help below.

Payday loans in the District of Columbia
ProductStatusAPR capAmountTermLicenseLaw
Payday loans[1][2] Not allowed Not allowed Not set by statute Not set by statute Not applicable D.C. Law 17-14, Consumer Protection Amendment Act of 2007; D.C. Code Section 28-3301
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Other options in the District of Columbia

Worth checking whatever your credit: these can cost less than a high-rate loan.

  • Emergency loans in District of Columbia: allowed under District of Columbia law; see its limits and license rules.
  • Installment loans in District of Columbia: allowed under District of Columbia law; see its limits and license rules.
  • Personal loans in District of Columbia: allowed under District of Columbia law; see its limits and license rules.
  • Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
  • Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
  • Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
  • Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in the District of Columbia.

See every loan type District of Columbia law allows.

Payday loans in nearby states

Sources

  1. disb.dc.gov. D.C. Law 17-14, Consumer Protection Amendment Act of 2007. Retrieved September 23, 2026.
  2. disb.dc.gov. DC Department of Insurance, Securities and Banking (DISB). Retrieved September 23, 2026.

Important disclosures

APRs vary by lender and state in the District of Columbia. Each lender sets its own rates and terms and must show you the APR before you sign.

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  • Questions about a lender licensed in the District of Columbia? Contact the DC Department of Insurance, Securities and Banking (DISB) or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.