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Every other site in this category is paid by lenders. This one is not, which is the only reason it can publish what it publishes.
If you search for payday loan rules in your state, most of what you find is published by companies paid to send you to a lender. Those sites are often stale — we found one calling itself a 2026 guide while describing the law as it stood in 2021 — and structurally unable to tell you the things that cost a lender money.
Things like: six states must give you more time if you ask, and almost nobody is told. Or that the bank-partnership structure appeared only in states that banned payday lending, which is not what the industry says it is for.
Set out in full on the methodology page, including what we refuse. The short version: flat-fee credit union referrals, data licensing and reader support. Never money from a high-cost lender, in any form, including to soften or remove a page.
Every figure on a jurisdiction page is traced to a regulator, a statute or a court, and cited inline — click any marker to open the source. Secondary compilations are not used as sources; we found them wrong often enough to document it on our corrections page.
Sources are monitored automatically. If a government page moves or its wording changes, the affected page says so.
Published in public with a date, including our own errors — of which there are four on the corrections page so far. Nothing is quietly edited.
PaydayWatch is published by Resultex Media Group LLC, 112 Main St., Suite 210, East Rockaway, NY 11518.
The company is not a lender, a broker, a lead generator or a debt collector, and holds no financial interest in any company named on this site. It accepts no money from payday, title or other high-cost lenders in any form — including for placement, for softening a page, or for removing one. What it does accept is set out in full on the methodology page.