Where Our Lenders Serve
Lending rules are set state by state, so availability depends on where you live. Check your state in seconds and see what to expect from loans where you are.
Lenders in the mobiloans network currently serve 46 states. Requests aren't available from residents of Arkansas, the District of Columbia, New York, Vermont or West Virginia. Borrowers must be 18 or older, 19 in Alabama and Nebraska, and 21 in Mississippi.
- States served
- 46
- Not available
- AR, DC, NY, VT, WV
- Minimum age
- 18 (19 in AL, NE; 21 in MS)
- Loan amounts
- $200 to $5,000
Check Your State
Pick your state to check availability.
All States at a Glance
Availability by state
Lenders in our network currently serve 46 of 50 states
Requests are currently not available from residents of Arkansas, District of Columbia, New York, Vermont or West Virginia.
Why Availability Varies
There's no single national rulebook for consumer installment loans. Each state decides who can lend, how they're licensed and how much they can charge.
Licensing
Most states require lenders to hold a state license or registration before lending to residents.
Rate limits
Many states cap interest rates or fees on small loans, which affects which products are offered.
Loan rules
States may set minimum or maximum terms, loan sizes and rules on renewals.
What Can Change by State
- Maximum APR and fees a lender can charge.
- Loan amounts and terms that are allowed or offered.
- Late and returned-payment fees, and grace periods before they apply.
- Minimum borrower age: 18 in most states, 19 in Alabama and Nebraska, 21 in Mississippi.
To verify a lender’s license in your state, search NMLS Consumer Access at nmlsconsumeraccess.org or visit your state financial regulator’s website.
State Availability FAQ
Which states do lenders in your network serve?
Lenders in our network currently serve 46 states. Requests aren't available from residents of Arkansas, District of Columbia, New York, Vermont or West Virginia.
Why aren't loans available in every state?
Each state sets its own lending rules, including licensing requirements and limits on interest rates and loan terms. Lenders only offer loans where they're licensed or otherwise permitted to lend.
Do loan terms differ by state?
Yes. Maximum rates, fees, loan amounts and terms can vary by state law. Your lender's offer reflects the rules where you live.
What's the minimum age to apply?
You must be 18 or older in most states, 19 in Alabama and Nebraska, and 21 in Mississippi.
I'm moving soon. Which state should I use?
Use the state where you currently live and can show proof of residence. Lenders verify your address.
Availability reviewed October 3, 2026.
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