A cash advance is the retail name for the small, fast, single-purpose loan this whole site prices. Across the Old Line region the label covers three different legal realities: a licensed storefront product in Delaware, Illinois, Virginia, a market that bans the storefront outright in Washington, DC, Maryland, Pennsylvania, and a sovereign installment lane that works everywhere online. This page is the regional map, and the honest way to use it is to check which line you are standing on before comparing prices.
The Six-Jurisdiction Pricing Map
| Jurisdiction | Storefront advance | Amount ceiling | Pricing rule |
|---|---|---|---|
| Delaware | Allowed | $1,000 | No fee cap (set by contract) |
| Illinois | 36% APR Cap | no statutory cap | 36% APR Cap |
| Virginia | 36% APR Cap | $2,500 | 36% APR + $25 monthly maintenance fee |
| Washington, DC | Banned | none - not licensed | 24% APR Cap |
| Maryland | Banned | none - not licensed | 33% APR Cap |
| Pennsylvania | Banned | none - not licensed | 6% APR Cap |
Three legal realities, three price tags: the licensed 36% markets cap the cost of credit; the banned states replace the product with small-loan interest caps and leave the online market to unlicensed and sovereign offers; Delaware licenses the product with no fee cap at all, which makes the written disclosure the only consumer protection that matters.
What a Cash Advance Costs Where You Live
- Maryland, Pennsylvania, Washington DC: no licensed storefront price exists. Offers that do circulate price like the online market, which the Maryland rulebook works out in dollars, and the state caps (33% APR Cap in Maryland) define what is unlicensed rather than what it costs.
- Virginia and Illinois: the 36% rule prices licensed credit in monthly installments. A $1,000 balance over a year carries roughly $205 in finance charges at 36% APR, which the Virginia rulebook and the Illinois rulebook show worked out.
- Delaware: the contract sets the price. Typical online offers run $15 to $17.50 per $100 per two weeks to a month, and the Delaware rulebook prices the common sizes.
The Sovereign Lane, Priced Beside Everything
Tribal installment offers work from every jurisdiction on the map, online, at 400% to 800% APR disclosed per lender: $300 to $2,500 across 3 to 12 scheduled payments. The city pages for Maryland (Baltimore, Frederick, Gaithersburg, Rockville, Bowie, Hagerstown, and the rest) price that lane locally, and every one of them quotes the licensed or capped alternative first.
Requesting through this site costs nothing and commits you to nothing: one soft-check form, written offers, and no obligation until you accept a disclosure you have actually read.