✓ Legal & RegulatedReviewed: Aug 2025
VermontLoan Laws & Regulations
Official regulatory reference for borrowers and lenders in Vermont. Includes permitted loan types, APR caps, lender licensing requirements, borrower rights, and government source links.
Max Loan
$2,500
Typical APR
18% APR
Max Term
24 months
Legal Status
Restricted
Vermont Lending Regulator
The Vermont DFR oversees consumer lending in Vermont, including licensing, enforcement, and consumer complaint resolution. Before borrowing from any lender, verify their license using the official regulator lookup tool linked above.
Regulatory Details
Detailed regulatory data for Vermont is sourced directly from the Vermont DFR. For the most current requirements, visit: https://dfr.vermont.gov/
Current Overview
Vermont restricted lending with an 18% APR cap. Safe personal loans available in Burlington and statewide from licensed VT lenders.
Legal Status: Restricted · APR Range: 18% APR · Max Amount: $2,500
Vermont Lending FAQ
Are payday loans legal in Vermont?▼
Yes. Payday loans are legal and regulated in Vermont under the oversight of the Vermont DFR. Current APR range: 18% APR. Maximum loan: $2,500.
What is the maximum payday loan I can get in Vermont?▼
The maximum short-term loan amount in Vermont is $2,500. A $1,000 personal loan for 12 months in VT costs approximately $98 in interest at 18% APR.
Who regulates payday lenders in Vermont?▼
The Vermont DFR is the primary state regulator. You can verify any lender's license at https://dfr.vermont.gov/. Unlicensed lenders operating in Vermont are illegal — always verify before borrowing.
What are the alternatives to payday loans in Vermont?▼
Consider credit union PAL (Payday Alternative Loan) programs, licensed personal loan lenders, or non-profit credit counseling services in Vermont.