In the United States, payday loans serve as a financial tool for individuals facing short-term cash shortages. However, some states have a higher prevalence of payday lending establishments than others. Here are three states with the most significant concentration of payday loans:
| | | State | | | Abbreviation | | | Capital | | |
| | | —————— | | | ————– | | | —————- | | |
| | | Alabama | | | AL | | | Montgomery | | |
| | | Alaska | | | AK | | | Juneau | | |
| | | Arizona | | | AZ | | | Phoenix | | |
| | | Arkansas | | | AR | | | Little Rock | | |
| | | California | | | CA | | | Sacramento | | |
| | | Colorado | | | CO | | | Denver | | |
| | | Connecticut | | | CT | | | Hartford | | |
| | | Delaware | | | DE | | | Dover | | |
| | | Florida | | | FL | | | Tallahassee | | |
| | | Georgia | | | GA | | | Atlanta | | |
| | | Hawaii | | | HI | | | Honolulu | | |
| | | Idaho | | | ID | | | Boise | | |
| | | Illinois | | | IL | | | Springfield | | |
| | | Indiana | | | IN | | | Indianapolis | | |
| | | Iowa | | | IA | | | Des Moines | | |
| | | Kansas | | | KS | | | Topeka | | |
| | | Kentucky | | | KY | | | Frankfort | | |
| | | Louisiana | | | LA | | | Baton Rouge | | |
| | | Maine | | | ME | | | Augusta | | |
| | | Maryland | | | MD | | | Annapolis | | |
| | | Massachusetts | | | MA | | | Boston | | |
| | | Michigan | | | MI | | | Lansing | | |
| | | Minnesota | | | MN | | | St. Paul | | |
| | | Mississippi | | | MS | | | Jackson | | |
| | | Missouri | | | MO | | | Jefferson City | | |
| | | Montana | | | MT | | | Helena | | |
| | | Nebraska | | | NE | | | Lincoln | | |
| | | Nevada | | | NV | | | Carson City | | |
| | | New Hampshire | | | NH | | | Concord | | |
| | | New Jersey | | | NJ | | | Trenton | | |
| | | New Mexico | | | NM | | | Santa Fe | | |
| | | New York | | | NY | | | Albany | | |
| | | North Carolina | | | NC | | | Raleigh | | |
| | | North Dakota | | | ND | | | Bismarck | | |
| | | Ohio | | | OH | | | Columbus | | |
| | | Oklahoma | | | OK | | | Oklahoma City | | |
| | | Oregon | | | OR | | | Salem | | |
| | | Pennsylvania | | | PA | | | Harrisburg | | |
| | | Rhode Island | | | RI | | | Providence | | |
| | | South Carolina | | | SC | | | Columbia | | |
| | | South Dakota | | | SD | | | Pierre | | |
| | | Tennessee | | | TN | | | Nashville | | |
| | | Texas | | | TX | | | Austin | | |
| | | Utah | | | UT | | | Salt Lake City | | |
| | | Vermont | | | VT | | | Montpelier | | |
| | | Virginia | | | VA | | | Richmond | | |
| | | Washington | | | WA | | | Olympia | | |
| | | West Virginia | | | WV | | | Charleston | | |
| | | Wisconsin | | | WI | | | Madison | | |
| | | Wyoming | | | WY | | | Cheyenne | | |
| | | —————— | | | ————– | | | —————- | | |