help.paydayloan/paydayloan-help · v1.2026.1101.1 · finance-and-payments
PaydayLoan.Help: state payday loan rules is healthy: it completed an MCP handshake in 1235 ms and exposes 3 tools.
Payday loan laws for all 50 states and DC with sources, plus APR and renewal cost math.
Endpoint: https://paydayloan.help/mcp (streamable-http)
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| Users (last 30 days) | 0 |
| Handshake | Healthy |
| Auth needed | None |
| Tool count | 3 |
| Latency | 1235 ms |
| Last checked (UTC) | 2026-11-02T01:50:31.442Z |
| Checked (UTC) | Status | Latency | Error |
|---|---|---|---|
| 2026-11-02T01:50:31.442Z | Healthy | 1235 |
get_state_payday_rules | One state's (or DC's) payday loan law as published on paydayloan.help: whether payday loans are allowed, maximum loan, term, fee or rate cap, rollovers, cooling-off, concurrent loans, extended payment plan, database, collection limits, other borrower rights, the regulator with license-lookup and com |
list_states_by_payday_rule | Lists states (50 plus DC) by their payday loan rules as published on paydayloan.help: filter by status (allowed with limits, installment-only, or typical payday loans not allowed), by whether state law requires an extended payment plan, or by a list of state codes to compare. Each row gives the stat |
payday_loan_cost | The paydayloan.help cost calculator: from the amount borrowed, the fee per $100 and the days until due, returns the APR, the fee per period, total fees after a number of fee-only renewals, the principal still owed, and the same amount as a federal credit union payday alternative loan (PAL) at the 28 |