Data sources

Late fees data: every source, by state

The 301 official pages behind the late fees by state pages, state by state: what each one gave, and the day it was read where that is not November 6, 2026, when every state was checked. Each state was checked on the date under its name.

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Alabama

Checked November 6, 2026 · Alabama's page

• Ala. Code § 8-8-1 — rate if none agreed and most for homeowners
• Ala. Code § 8-8-8 — rate if none agreed
• Ala. Code § 8-8-5(a) — most for homeowners, most for businesses and homeowners and businesses
• Ala. Code § 5-19-3(a) — most for homeowners
• Ala. Code § 5-19-4(a) — late-fee rules
• Ala. Code § 5-19-1(2) — late-fee rules
• Ala. Code § 8-29-3(d) — prompt payment
• Ala. Code § 8-29-7 — prompt payment
• Ala. Code § 8-29-5 — prompt payment

Alaska

Checked November 6, 2026 · Alaska's page

• AS 45.45.010(a) — rate if none agreed, most for homeowners and most for businesses
• AS 09.30.070(a) — rate if none agreed
• Alaska Court System form ADM-505 (1/26), How to Determine Pre- & Post-Judgment Interest Rates (AS 09.30.070(a)) — rate if none agreed
• AS 45.10.080(a) — late-fee rules and agreed in advance
• AS 45.10.220(13) — late-fee rules
• AS 36.90.210(a) — prompt payment

Arizona

Checked November 6, 2026 · Arizona's page

• A.R.S. § 44-1201(A)(2) — rate if none agreed, most for homeowners and agreed in advance
• A.R.S. § 44-6002(A) — most for homeowners, late-fee rules, agreed in advance and homeowners and businesses
• A.R.S. § 44-6001(11) — late-fee rules
• A.R.S. § 32-1182(Q) — prompt payment
• A.R.S. § 32-1183 — prompt payment
• A.R.S. § 32-1187 — prompt payment
• A.R.S. § 32-1181(A)(1) — prompt payment

Arkansas

Checked November 6, 2026 · Arkansas's page

• A.C.A. § 16-65-114(a)(1)(A) (Arkansas Code public access, search result text) — rate if none agreed; search listing
• Ark. Const. amend. 89, § 3 — most for homeowners and homeowners and businesses
• A.C.A. § 4-57-104 (Arkansas Code public access, search result text) — most for homeowners; search listing
• A.C.A. § 23-36-112 (Arkansas Code public access, search result text) — late-fee rules; search listing

California

Checked November 6, 2026 · California's page

• Cal. Civ. Code § 3289(b) — rate if none agreed
• Cal. Civ. Code § 3287(a) — rate if none agreed
• Cal. Const. art. XV, § 1 — rate if none agreed, most for homeowners, most for businesses and agreed in advance
• Cal. Civ. Code § 1803.6(a) — late-fee rules
• Cal. Civ. Code § 1671(c)(1), (d) — late-fee rules and homeowners and businesses
• Cal. Civ. Code § 1802.2 — late-fee rules
• Cal. Civ. Code § 1810.12(b) — agreed in advance
• Cal. Civ. Code § 8800(a), (c) — prompt payment
• Cal. Bus. & Prof. Code § 7108.5(b), (e) — prompt payment

Colorado

Checked November 6, 2026 · Colorado's page

• C.R.S. § 5-12-101 — rate if none agreed, most for homeowners, most for businesses, late-fee rules, agreed in advance and homeowners and businesses
• C.R.S. § 24-91-103(1)(a) — prompt payment

Connecticut

Checked November 6, 2026 · Connecticut's page

• Conn. Gen. Stat. § 37-1(a) — rate if none agreed, most for homeowners, most for businesses and homeowners and businesses
• Conn. Gen. Stat. § 36a-772(b) — most for homeowners and late-fee rules
• Conn. Gen. Stat. § 42-158j(c)(4) — prompt payment

Delaware

Checked November 6, 2026 · Delaware's page

• 6 Del. C. § 2301(a) — rate if none agreed, most for homeowners, most for businesses and agreed in advance
• 6 Del. C. § 4315 — most for homeowners and late-fee rules
• 6 Del. C. § 4339 — late-fee rules
• 6 Del. C. § 4301(10), (12) — late-fee rules and homeowners and businesses
• 6 Del. C. § 3506(c) — prompt payment

District of Columbia

Checked November 6, 2026 · the District of Columbia's page

• D.C. Code § 28-3302(a) — rate if none agreed
• D.C. Code § 28-3301(a) — most for homeowners, most for businesses, agreed in advance and homeowners and businesses
• D.C. Code § 28-3310(b) — late-fee rules

Florida

Checked November 6, 2026 · Florida's page

• Fla. Stat. § 687.01 Rate of interest in absence of contract — rate if none agreed
• Fla. Stat. § 55.03(1) Judgments; rate of interest, generally — rate if none agreed
• Florida CFO, Current Judgment Interest Rates (Fla. Stat. § 55.03) — rate if none agreed
• Fla. Stat. § 687.02(1) "Usurious contracts" defined — most for homeowners and most for businesses
• Fla. Stat. § 520.37 Delinquency charges, attorney's fees and court costs — late-fee rules and agreed in advance
• Fla. Stat. § 520.31 Definitions ("Services") — late-fee rules and homeowners and businesses
• Fla. Stat. § 715.12 Construction Contract Prompt Payment Law — prompt payment

Georgia

Checked November 6, 2026 · Georgia's page

• O.C.G.A. § 7-4-2(a)(1)(A) (O.C.G.A. public access, search result text) — rate if none agreed and most for homeowners; search listing
• O.C.G.A. § 7-4-18(a) (O.C.G.A. public access, search result text) — most for homeowners; search listing
• O.C.G.A. § 7-4-16 (O.C.G.A. public access, search result text) — most for businesses and agreed in advance; search listing
• O.C.G.A. § 10-1-7(a) (O.C.G.A. public access, search result text) — late-fee rules; search listing
• O.C.G.A. § 13-11-7(a) (O.C.G.A. public access, search result text) — prompt payment; search listing
• O.C.G.A. § 13-11-7(a) (O.C.G.A. public access, search result text) — prompt payment; search listing

Hawaii

Checked November 6, 2026 · Hawaii's page

• Haw. Rev. Stat. § 478-2 Legal rate; computation — rate if none agreed
• Haw. Rev. Stat. § 478-4(a) Rate by written contract — most for homeowners and most for businesses
• Haw. Rev. Stat. § 478-1 Definitions ("Consumer credit") — most for homeowners
• Haw. Rev. Stat. § 476-9 Late charges; court costs; attorney's fees — late-fee rules and agreed in advance
• Haw. Rev. Stat. § 476-1 Definitions ("Credit sale contract") — late-fee rules and homeowners and businesses
• Haw. Rev. Stat. § 444-25 Payment for goods and services — prompt payment

Idaho

Checked November 6, 2026 · Idaho's page

• Idaho Code § 28-22-104(1) Legal rate of interest — rate if none agreed
• Idaho Code § 28-42-201(1) Maximum finance charge — most for homeowners
• Idaho Code § 28-41-201(1) Territorial application — most for businesses
• Idaho Code § 28-42-301(3) Delinquency charges — late-fee rules and agreed in advance
• Idaho Code § 28-41-301(36) "Regulated credit sale" — late-fee rules and homeowners and businesses
• Idaho Code § 29-115(1) Construction contracts — prompt payment

Illinois

Checked November 6, 2026 · Illinois's page

• 815 ILCS 205/2 — rate if none agreed and agreed in advance
• 815 ILCS 205/4(1) — most for homeowners and most for businesses
• 815 ILCS 405/12 — late-fee rules
• 815 ILCS 603/15(a) — prompt payment
• 815 ILCS 603/5(b) — prompt payment and homeowners and businesses
• 815 ILCS 603/10(1) — prompt payment

Indiana

Checked November 6, 2026 · Indiana's page

• IC 24-4.6-1-102 — rate if none agreed and most for businesses
• IC 37-2-3-4(b) — most for homeowners, late-fee rules, agreed in advance and homeowners and businesses

Iowa

Checked November 6, 2026 · Iowa's page

• Iowa Code § 535.2(1) Rate of interest — rate if none agreed, most for homeowners, most for businesses and agreed in advance
• Iowa Code § 537.2201(2) Finance charge for consumer credit sales not pursuant to open-end credit — most for homeowners
• Iowa Code § 537.2502(1) Delinquency charges — late-fee rules
• Iowa Code § 537.1301(13) Consumer credit sale — late-fee rules and homeowners and businesses

Kansas

Checked November 6, 2026 · Kansas's page

• K.S.A. 16-201(a) Legal rate of interest — rate if none agreed
• K.S.A. 16-207(a) Contract rate — most for homeowners, most for businesses and homeowners and businesses
• K.S.A. 16a-2-201(2) Finance charge for closed-end consumer credit sales — most for homeowners
• K.S.A. 16a-1-301(18)(a) "Consumer credit sale" — most for homeowners
• K.S.A. 16a-2-502(1) (UCCC) Late fees — late-fee rules and agreed in advance
• K.S.A. 16-1803(e) Private construction contracts; payment provisions — prompt payment
• K.S.A. 16-1802 Definitions ("Contract") — prompt payment

Kentucky

Checked November 6, 2026 · Kentucky's page

• KRS 360.010(1) Legal interest rate -- Agreement for higher rate — rate if none agreed, most for homeowners and most for businesses
• KRS 371.270(1) Delinquency and collection charge for installment defaults — late-fee rules and agreed in advance
• KRS 371.210(2) "Services" — late-fee rules and homeowners and businesses
• KRS 371.405(6) Payment of amounts due — prompt payment
• KRS 371.400(1) "Construction" — prompt payment

Louisiana

Checked November 6, 2026 · Louisiana's page

• La. Civ. Code art. 2000 — rate if none agreed and agreed in advance
• La. R.S. 9:3500(B) — rate if none agreed, most for homeowners, most for businesses and agreed in advance
• La. R.S. 13:4202(B)(1) — rate if none agreed
• Louisiana Office of Financial Institutions, Judicial Interest Rates — rate if none agreed
• La. R.S. 9:3527(A) — late-fee rules
• La. R.S. 9:3516 — late-fee rules
• La. R.S. 9:2784 — prompt payment

Maine

Checked November 6, 2026 · Maine's page

• 14 M.R.S. §1602-B(3) — rate if none agreed
• Maine Judicial Branch, 2026 Pre-Judgment Interest Rate Charts (form OTH-155), 14 M.R.S. §1602-B — rate if none agreed
• 9-A M.R.S. §2-201(1) — most for homeowners
• 9-A M.R.S. §1-301(11)(A) — most for homeowners
• 9-B M.R.S. §432(1) — most for businesses and homeowners and businesses
• 9-A M.R.S. §2-502(1) — late-fee rules and agreed in advance
• 10 M.R.S. §1113 — prompt payment
• 10 M.R.S. §1114(4) — prompt payment
• 10 M.R.S. §1118(2) — prompt payment
• 10 M.R.S. §1111 — prompt payment
• 14 M.R.S. §1602-C(1)(B) — prompt payment
• Maine Judicial Branch, 2026 Post-Judgment Interest Rate Chart (form OTH-156), 14 M.R.S. §1602-C — prompt payment

Maryland

Checked November 6, 2026 · Maryland's page

• Md. Const. art. III, §57 (Maryland Manual, Maryland State Archives) — rate if none agreed
• Md. Code, Com. Law §12-102 — rate if none agreed
• Md. Code, Com. Law §12-103(a) — most for homeowners and most for businesses
• Md. Code, Com. Law §14-1315(a) — late-fee rules, agreed in advance and homeowners and businesses
• Md. Code, Real Prop. §9-303(b)(2) — prompt payment
• Md. Code, Real Prop. §9-305 — prompt payment

Massachusetts

Checked November 6, 2026 · Massachusetts's page

• Mass. Gen. Laws c.231 §6C — rate if none agreed
• Mass. Gen. Laws c.107 §3 — rate if none agreed, most for homeowners and agreed in advance
• Mass. Gen. Laws c.271 §49(a) — most for homeowners and most for businesses
• Mass. Gen. Laws c.255D §20 — late-fee rules and agreed in advance
• Mass. Gen. Laws c.255D §1 — late-fee rules and homeowners and businesses
• Mass. Gen. Laws c.149 §29E(a) — prompt payment

Michigan

Checked November 6, 2026 · Michigan's page

• MCL 438.31 — rate if none agreed, most for homeowners and agreed in advance
• MCL 600.6013(8) — rate if none agreed
• MCL 438.61(3) — most for businesses
• MCL 445.859 — late-fee rules and homeowners and businesses
• Michigan Legislature, Senate Bill 451 of 2023 (status) — prompt payment

Minnesota

Checked November 6, 2026 · Minnesota's page

• Minn. Stat. §334.01, subd. 1 — rate if none agreed, most for homeowners and agreed in advance
• Minn. Stat. §549.09, subd. 1 — rate if none agreed
• Minn. Stat. §334.16, subd. 1 — most for homeowners
• Minn. Stat. §334.022 — most for businesses
• Minn. Stat. §334.171 — late-fee rules
• Minn. Stat. §337.10, subd. 3 — prompt payment
• Minn. Stat. §337.01, subd. 2 — prompt payment

Mississippi

Checked November 6, 2026 · Mississippi's page

• Miss. Code Ann. § 75-17-1(1) (Mississippi Code public access, search result text) — rate if none agreed; search listing
• Miss. Code Ann. § 75-17-7 (Mississippi Code public access, search result text) — rate if none agreed; search listing
• Miss. Code Ann. § 75-17-1(2) (Mississippi Code public access, search result text) — most for homeowners; search listing
• Miss. Code Ann. § 75-17-27 (Mississippi Code public access, search result text) — late-fee rules; search listing
• Miss. Code Ann. § 87-7-3(a) (Mississippi Code public access, search result text) — prompt payment; search listing
• Miss. Code Ann. § 87-7-5 (Mississippi Code public access, search result text) — prompt payment; search listing

Missouri

Checked November 6, 2026 · Missouri's page

• RSMo 408.020 — rate if none agreed
• RSMo 408.030.1 — most for homeowners and agreed in advance
• RSMo 408.100 — most for homeowners
• RSMo 408.035 — most for businesses and homeowners and businesses
• RSMo 408.140.1(3) — late-fee rules and agreed in advance
• RSMo 431.180.2 — prompt payment

Montana

Checked November 6, 2026 · Montana's page

• Mont. Code Ann. § 31-1-106 (Legal interest) — rate if none agreed
• Mont. Code Ann. § 31-1-107(1) (Interest rate allowed by agreement) — most for homeowners, most for businesses and agreed in advance
• Mont. Code Ann. § 31-1-112(2) — most for businesses
• Mont. Code Ann. § 31-1-501(1) — late-fee rules
• Mont. Code Ann. § 31-1-235(1) (Delinquency fee) — late-fee rules
• Mont. Code Ann. § 28-2-2104(1) (Obligations upon delay of payment) — prompt payment
• Mont. Code Ann. § 28-2-2101 (Definitions) — prompt payment
• Mont. Code Ann. § 28-2-2107 (Exception for certain residential dwellings) — prompt payment

Nebraska

Checked November 6, 2026 · Nebraska's page

• Neb. Rev. Stat. § 45-104 (Interest; other contract obligations) — rate if none agreed
• Neb. Rev. Stat. § 45-102 (Interest; legal rate; exception) — rate if none agreed
• Neb. Rev. Stat. § 45-101.03(1) (General interest rate; maximum) — most for homeowners
• Neb. Rev. Stat. § 45-101.04(1) — most for homeowners, most for businesses and late-fee rules
• Neb. Rev. Stat. § 45-369 (Installment sales contract; delinquency charges; limitations; fee) — late-fee rules and homeowners and businesses
• Neb. Rev. Stat. § 45-1205 (Delay in payment; additional interest payment) — prompt payment
• Neb. Rev. Stat. § 45-1202(2) (Terms, defined) — prompt payment

Nevada

Checked November 6, 2026 · Nevada's page

• Nev. Rev. Stat. § 99.040(1) — rate if none agreed, most for homeowners, most for businesses and agreed in advance
• Nevada Financial Institutions Division, Prime Interest Rate (NRS 99.040(1)) — rate if none agreed
• Nev. Rev. Stat. § 97.195 (Amount of finance charge and any other fee, expense or charge) — late-fee rules
• Nev. Rev. Stat. § 97.135 ("Services" defined) — late-fee rules
• Nev. Rev. Stat. § 624.630 (Accrual of interest on money due; rate of interest) — NSCB Handbook rev. 8/2024 — prompt payment

New Hampshire

Checked November 6, 2026 · New Hampshire's page

• N.H. Rev. Stat. Ann. § 336:1, I (Rate of Interest) — rate if none agreed, most for businesses, agreed in advance and homeowners and businesses
• N.H. Rev. Stat. Ann. § 524:1-a (Interest to be Added) — rate if none agreed
• N.H. Rev. Stat. Ann. § 358-K:1 (Definitions) — consumer credit sale — most for homeowners and late-fee rules
• N.H. Rev. Stat. Ann. § 358-K:2, IV — late-fee rules

New Jersey

Checked November 6, 2026 · New Jersey's page

• N.J. Ct. R. 4:42-11 — Notice, Post-Judgment Interest Rate for Calendar Year 2026 — rate if none agreed
• N.J. Ct. R. 4:42-11(b) — Post-Judgment and Pre-Judgment Interest Rates (revised July 22, 2026) — rate if none agreed
• N.J.S.A. 31:1-1(a) (NJ Legislature statutes database) — most for homeowners and most for businesses
• NJ Dept. of Banking & Insurance FAQ — N.J.S.A. 31:1-1 et seq.; criminal usury — most for homeowners
• N.J.S.A. 31:1-6 (NJ Legislature statutes database) — most for businesses
• N.J.S.A. 17:16C-42(a) (NJ Legislature statutes database) — late-fee rules and agreed in advance
• N.J.S.A. 2A:30A-2 (P.L.2006, c.96) — prompt payment
• N.J.S.A. 2A:30A-2c. (current codified text; NJ Legislature statutes database, search "2A:30A-2") (NJ Legislature statutes database) — prompt payment

New Mexico

Checked November 6, 2026 · New Mexico's page

• NMSA 1978, § 56-8-3 — rate if none agreed, most for homeowners, most for businesses, late-fee rules and agreed in advance
• NMSA 1978, § 57-28-5(A) — prompt payment

New York

Checked November 6, 2026 · New York's page

• N.Y. C.P.L.R. 5004(a) (Rate of interest) — rate if none agreed and homeowners and businesses
• N.Y. C.P.L.R. 5001(a) (Interest to verdict, report or decision) — rate if none agreed
• N.Y. Gen. Oblig. Law § 5-501(1) — most for homeowners
• N.Y. Banking Law § 14-a(1) — most for homeowners
• N.Y. Penal Law § 190.40 (Criminal usury in the second degree) — most for homeowners
• N.Y. Gen. Oblig. Law § 5-521(1) — most for businesses
• N.Y. Pers. Prop. Law § 402 (Provisions of retail instalment contracts and obligations) — late-fee rules and agreed in advance
• N.Y. Pers. Prop. Law § 413 (Retail instalment credit agreements) — late-fee rules
• N.Y. Pers. Prop. Law § 401 (Definitions) — services — late-fee rules
• N.Y. Gen. Bus. Law § 756-b (Remedies) — prompt payment
• N.Y. Gen. Bus. Law § 756 (Definitions) — construction contract — prompt payment

North Carolina

Checked November 6, 2026 · North Carolina's page

• N.C. Gen. Stat. § 24-1 (Legal rate of interest) — rate if none agreed
• N.C. Gen. Stat. § 24-5(a) (Interest on judgments) — rate if none agreed
• N.C. Gen. Stat. § 24-1.1(a) (Contract rates and fees) — most for homeowners and agreed in advance
• N.C. Gen. Stat. § 24-11(a) (Certain revolving credit charges) — most for homeowners and late-fee rules
• N.C. Gen. Stat. § 24-9(b) (Loans exempt from rate and fee limitations) — most for businesses and homeowners and businesses
• N.C. Gen. Stat. § 25A-29 (Default charges) — late-fee rules
• N.C. Gen. Stat. § 25A-2(a) (Consumer credit sale) — late-fee rules
• N.C. Gen. Stat. § 22C-5 — prompt payment
• N.C. Gen. Stat. § 22C-1 (Definitions) — owner — prompt payment

North Dakota

Checked November 6, 2026 · North Dakota's page

• N.D.C.C. § 47-14-05 — rate if none agreed, most for homeowners, most for businesses and late-fee rules
• N.D. Dept. of Financial Institutions, Usury Rate (N.D.C.C. § 47-14-09) — most for homeowners
• N.D.C.C. § 51-13-02(2)(e) — late-fee rules
• N.D.C.C. § 13-01.1-01 — prompt payment

Ohio

Checked November 6, 2026 · Ohio's page

• Ohio Rev. Code § 1343.03(A) — rate if none agreed
• Ohio Dept. of Taxation, Administrative Journal Entry, Oct. 15, 2025 (Ohio Rev. Code § 5703.47) — rate if none agreed
• Ohio Dept. of Taxation, Administrative Journal Entry, Oct. 15, 2026 (Ohio Rev. Code § 5703.47) — rate if none agreed
• Ohio Rev. Code § 1343.01(A) — most for homeowners and most for businesses
• Ohio Rev. Code § 1317.06(B) — late-fee rules and agreed in advance
• Ohio Rev. Code § 1317.01 — late-fee rules
• Ohio Rev. Code § 4113.61(A)(1) — prompt payment

Oklahoma

Checked November 6, 2026 · Oklahoma's page

• Okla. Stat. tit. 15, § 266 — rate if none agreed and prompt payment
• Okla. Stat. tit. 14A, § 2-201(2) — most for homeowners, most for businesses and late-fee rules
• Okla. Dept. of Consumer Credit, Changes in Dollar Amounts – July 1, 2026 (Okla. Stat. tit. 14A, § 1-106) — most for homeowners and late-fee rules

Oregon

Checked November 6, 2026 · Oregon's page

• ORS 82.010(1) — rate if none agreed, most for homeowners and most for businesses
• ORS 83.100(1) — late-fee rules
• ORS 701.625(11) (2023 edition) — prompt payment

Pennsylvania

Checked November 6, 2026 · Pennsylvania's page

• 41 P.S. § 202 (Loan Interest and Protection Law, Act 6 of 1974, § 202) — rate if none agreed and most for homeowners
• 12 Pa.C.S. § 6343 — late-fee rules
• 73 P.S. § 500-209 (Home Improvement Finance Act, Act 464 of 1963, § 209) — late-fee rules
• 73 P.S. § 505(d) (Contractor and Subcontractor Payment Act, § 5(d)) — prompt payment

Rhode Island

Checked November 6, 2026 · Rhode Island's page

• R.I. Gen. Laws § 6-26-1 — rate if none agreed
• R.I. Gen. Laws § 9-21-10(a) — rate if none agreed
• R.I. Gen. Laws § 6-27-4(a) — most for homeowners and late-fee rules
• R.I. Gen. Laws § 6-27-3 (definition of "Credit") — most for homeowners
• R.I. Gen. Laws § 6-26-2(a) — most for homeowners and most for businesses
• R.I. Gen. Laws § 6-27-2 — most for businesses

South Carolina

Checked November 6, 2026 · South Carolina's page

• S.C. Code § 34-31-20(A) — rate if none agreed
• S.C. Code § 37-2-201(2) — most for homeowners and late-fee rules
• S.C. Code § 37-2-605 — most for businesses
• S.C. Dept. of Consumer Affairs, Changes in Dollar Amounts, S.C. State Register Vol. 48, Issue 3 (Mar. 22, 2024) (S.C. Code § 37-1-109) — late-fee rules
• S.C. Dept. of Consumer Affairs, Dollar Amount Adjustment (S.C. Code § 37-1-109) — late-fee rules
• S.C. Code § 29-6-50 — prompt payment

South Dakota

Checked November 6, 2026 · South Dakota's page

• SDCL § 54-3-5 — rate if none agreed and most for homeowners
• SDCL § 54-3-16 — rate if none agreed
• SDCL § 54-3-4 — rate if none agreed
• SDCL § 54-3-1.1 — most for homeowners
• SDCL § 54-3A-3 — most for homeowners
• SDCL § 54-3A-12 — late-fee rules and homeowners and businesses

Tennessee

Checked November 6, 2026 · Tennessee's page

• Tenn. Code Ann. § 47-14-123 (Tennessee Code public access, search result text) — rate if none agreed; search listing
• Tenn. Code Ann. § 47-14-103(2)-(3) (Tennessee Code public access, search result text) — most for homeowners; search listing
• Tenn. Code Ann. § 47-14-102(7) (Tennessee Code public access, search result text) — most for homeowners; search listing
• Tenn. Code Ann. § 66-34-601 (Tennessee Code public access, search result text) — prompt payment; search listing
• Tenn. Code Ann. § 66-34-702 (Tennessee Code public access, search result text) — prompt payment; search listing

Texas

Checked November 6, 2026 · Texas's page

• Tex. Fin. Code § 302.002 — rate if none agreed, most for homeowners and late-fee rules
• Tex. Fin. Code § 304.003(b)-(c) — rate if none agreed
• Texas Office of Consumer Credit Commissioner — Current Rates (Tex. Fin. Code §§ 303.003, 303.009, 304.003) — rate if none agreed
• Tex. Fin. Code § 303.001(a) — most for homeowners and most for businesses
• Tex. Fin. Code § 345.060(a) — late-fee rules
• Tex. Prop. Code § 28.002(a) — prompt payment

Utah

Checked November 6, 2026 · Utah's page

• Utah Code § 15-1-1(2) — rate if none agreed and most for homeowners
• Utah Code § 15-1-4(2)(a) — rate if none agreed
• Utah Code § 70C-2-101 — most for homeowners
• Utah Code § 70C-2-102(1)(a) — late-fee rules
• Utah Code § 70C-1-302(4)(a) (definition of "Creditor") — late-fee rules
• Utah Code § 13-8-5(1)(a) — prompt payment

Vermont

Checked November 6, 2026 · Vermont's page

• 9 V.S.A. § 41a(a) — rate if none agreed and most for homeowners
• 9 V.S.A. § 46 — most for businesses
• 9 V.S.A. § 2405(m) — late-fee rules
• 9 V.S.A. § 2401 (definition of "Services") — late-fee rules
• 9 V.S.A. § 4001(5) — prompt payment
• 9 V.S.A. § 4002(c) — prompt payment
• 9 V.S.A. § 4007(b) — prompt payment
• 12 V.S.A. § 2903(a) — two answers

Virginia

Checked November 6, 2026 · Virginia's page

• Va. Code § 6.2-301 — rate if none agreed
• Va. Code § 6.2-302(B) — rate if none agreed
• Va. Code § 6.2-303(A) — most for homeowners
• Va. Code § 6.2-311(A) — most for homeowners and late-fee rules
• Va. Code § 6.2-312(B) — most for homeowners
• Va. Code § 6.2-317(A) — most for businesses
• Va. Code § 6.2-400(B) — late-fee rules
• Va. Code § 11-4.6(B)(1) — prompt payment
• Va. Code § 2.2-4355(B) — prompt payment

Washington

Checked November 6, 2026 · Washington's page

• RCW 19.52.010(1) — rate if none agreed
• RCW 19.52.020(1) — most for homeowners
• Washington State Register — State Maximum Interest Rate (computed and filed by the State Treasurer under RCW 19.52.025) — most for homeowners
• RCW 63.14.130(1) — most for homeowners
• RCW 19.52.080 — most for businesses and homeowners and businesses
• RCW 63.14.090(1) — late-fee rules
• RCW 63.14.010(16) — late-fee rules

West Virginia

Checked November 6, 2026 · West Virginia's page

• W. Va. Code § 47-6-5(a) — rate if none agreed and most for homeowners
• W. Va. Code § 56-6-31(b) — rate if none agreed
• Supreme Court of Appeals of West Virginia, Administrative Office — 2026 interest rate on judgments and decrees (W. Va. Code § 56-6-31) — rate if none agreed
• W. Va. Code § 46A-3-101(1) — most for homeowners
• W. Va. Code § 46A-1-102 (definition of "consumer credit sale") — most for homeowners
• W. Va. Code § 47-6-10 — most for businesses
• W. Va. Code § 47-6-11 — most for businesses
• W. Va. Code § 46A-3-113(1) — late-fee rules

Wisconsin

Checked November 6, 2026 · Wisconsin's page

• Wis. Stat. § 138.04 — rate if none agreed and agreed in advance
• Wis. Stat. § 422.201(2)(bn) — most for homeowners
• Wis. Stat. § 138.05(1)(a) — most for homeowners and most for businesses
• Wis. Stat. § 421.301(10) — most for homeowners
• Wis. Stat. § 422.203(1) — late-fee rules

Wyoming

Checked November 6, 2026 · Wyoming's page

• Wyo. Stat. § 40-14-106(e) — rate if none agreed, most for homeowners, most for businesses and late-fee rules
• Wyo. Stat. § 1-16-102(a)-(b) — rate if none agreed