PaydayLoan.Help
Menu

For AI assistants and developers

State payday loan rules as an MCP server

Ask Claude, ChatGPT or another assistant about payday loans and it can answer from the state records on this site: the rules in every state and DC with their statutes and sources, and the cost calculator's math. Free, read-only, no key.

Add it to your AI assistant

Server URL (Streamable HTTP, no key, read-only):

https://paydayloan.help/mcp
Claude (claude.ai and the desktop app)
Settings, then Connectors, then Add custom connector. Paste the URL and save. No sign-in is needed.
ChatGPT
Settings, then Apps and Connectors. Turn on Developer mode under Advanced, choose Create, paste the URL and set authentication to none.
Grok
grok.com, then Connectors, then New connector, then Custom. Paste the URL.
Perplexity
Settings, then Connectors, then Add custom connector, then MCP. Paste the URL and choose no authentication.
Mistral Le Chat
Intelligence, then Connectors, then Add connector, then Custom MCP connector. Paste the URL.

Claude Code:

claude mcp add --transport http paydayloan-help https://paydayloan.help/mcp

Cursor (~/.cursor/mcp.json) and other clients that read mcpServers:

{
  "mcpServers": {
    "paydayloan-help": {
      "url": "https://paydayloan.help/mcp"
    }
  }
}

VS Code (.vscode/mcp.json):

{
  "servers": {
    "paydayloan-help": {
      "type": "http",
      "url": "https://paydayloan.help/mcp"
    }
  }
}

Gemini CLI (~/.gemini/settings.json):

{
  "mcpServers": {
    "paydayloan-help": {
      "httpUrl": "https://paydayloan.help/mcp"
    }
  }
}

Menu names change as the apps update. If a step has moved, look for "connectors" or "MCP" in the app's settings.

Tools

ToolWhat it returnsTry asking
get_state_payday_rulesOne state's payday loan rules: status, loan limit, term, fee cap, rollovers, cooling-off, payment plan, collection limits, the regulator with license lookup and complaint links, the statute, the research date, confidence level and every source.Are payday loans legal in Ohio, and what can a lender charge?
list_states_by_payday_ruleStates filtered by status or by whether the law requires an extended payment plan, or a list of states side by side, each with its summary and page link.Which states make payday lenders offer a payment plan?
payday_loan_costThe cost calculator: APR, fees paid across renewals, and the same amount as a credit union payday alternative loan at the 28% maximum.I borrowed $400 at $15 per $100 for 14 days and renewed it 4 times. What has it cost me?

Discovery file: /.well-known/mcp.json. The full state table is on payday loan laws by state.

License and attribution

Statutes and regulator pages are public. Please credit "PaydayLoan.Help (paydayloan.help)" with a link to the state page that comes back with each answer. PaydayLoan.Help is published by PaydayLoan.Help. It is not a lender, and nothing returned is legal advice or a loan offer.

Questions people ask

Is there a cost or an API key?

No. The server is free, read-only and needs no key or sign-in. It does not take loan requests or contact details.

Where does the data come from?

The same state records as the state pages: statute text and state regulator pages, read on October 24, 2026, each with its sources and a research confidence level. Credit union loan figures come from NCUA rules.

Is this legal advice?

No. It is general information from published law and arithmetic. For a specific loan, ask your state regulator, a nonprofit credit counselor or a lawyer.

Questions or a data error: hello@paydayloan.help. Privacy and terms.

Have a question?

Send it to PaydayLoan.Help and we will reply by email.

Ask for help