CFNA Financing - States We Serve

About State Availability

CFNA Financing Apply currently serves customers in 44 U.S. states. State regulations regarding short-term lending vary significantly across the country, which is why we cannot currently offer our services in all 50 states.

States Where We Currently Don't Operate

We unfortunately cannot serve residents of the following states at this time:

• Arkansas - State regulations currently prohibit our type of lending
• New York - Strict licensing requirements we don't currently meet
• Vermont - State lending restrictions
• West Virginia - Regulatory limitations

State-Specific Regulations

Lending regulations vary by state, affecting:

Interest Rate Caps

Some states limit the maximum APR lenders can charge. These caps help protect consumers but can make it difficult for lenders to offer services profitably, especially to borrowers with credit challenges.

Loan Amount Limits

Certain states restrict the maximum loan amount for short-term lending. While we offer loans up to $5,000, some states may have lower limits (typically $1,000-$2,500).

Loan Term Restrictions

Some states mandate minimum or maximum loan terms. For example, some require that loans be repayable within 60 days, while others mandate minimum terms of 90 days.

Cooling-Off Periods

Certain states require "cooling-off" periods between loans, preventing borrowers from taking out consecutive loans within a specified timeframe.

Database Requirements

Many states maintain databases of active loans to prevent borrowers from taking out multiple loans simultaneously with different lenders.

Will You Expand to More States?

Yes! We're actively working to expand our service area. Our team regularly reviews state regulations and works toward compliance in additional markets. If your state isn't currently served, we encourage you to check back periodically as our coverage area grows.

Tribal Land Considerations

Please note that even if your state is served, lending on tribal lands may have different regulations. Tribal sovereignty can create unique lending environments. Contact us directly if you have questions about tribal land lending.

Military Service Members

Active duty military service members are protected by the Military Lending Act (MLA), which caps interest rates at 36% APR. We comply with all MLA requirements and offer special protections for military borrowers, regardless of state.

Interstate Moves

What happens if I move to a different state?

If you have an existing loan and move to a state where we don't operate:

• Your existing loan remains valid and must be repaid per the original terms
• You may not be eligible for new loans while residing in the new state
• Contact our support team immediately to update your address
• State-specific regulations of your new state may apply

State Licensing Information

CFNA Financing Apply and our lending partners are licensed and regulated in each state where we operate. License numbers and regulatory information can be found in your loan agreement and are available upon request.

If you have questions about lending regulations in your state, you can contact:

• Your state's Department of Banking or Financial Institutions
• Your state's Attorney General's Consumer Protection Division
• The Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov

Checking Your State's Availability

The easiest way to check if we serve your state is to:

1. Use the search tool above to find your state
2. Start an application - our system will immediately tell you if we serve your state
3. Contact us at support@cfnafinancingapply.com with questions