605 Lending states: where loans are available
605 Lending funds loans in most of the U.S. Check the full list below to see whether your state is eligible before you apply.
Apply for $200 to $5,000States 605 Lending does not fund
605 Lending makes loans in most U.S. states but does not fund borrowers in 15 states and Washington D.C.
605 Lending does not fund loans in:
If you live in one of these states, you can still submit a request through our application. Lenders licensed in your state may be able to make you an offer.
Michigan and Illinois borrowers
Borrowers in Michigan and Illinois have challenged these loans under state interest-rate and licensing laws. If you live in either state, check with your state's financial regulator before you sign.
State-by-state list
Every state and Washington D.C., based on the "do not fund" list 605 Lending publishes on its website. Eligibility can change, so the lender confirms your state when you apply.
- AlabamaListed as eligible
- AlaskaListed as eligible
- ArizonaNot funded
- ArkansasNot funded
- CaliforniaListed as eligible
- ColoradoNot funded
- ConnecticutNot funded
- DelawareListed as eligible
- District of ColumbiaNot funded
- FloridaListed as eligible
- GeorgiaNot funded
- HawaiiListed as eligible
- IdahoListed as eligible
- IllinoisListed as eligible
- IndianaListed as eligible
- IowaListed as eligible
- KansasListed as eligible
- KentuckyListed as eligible
- LouisianaListed as eligible
- MaineListed as eligible
- MarylandNot funded
- MassachusettsNot funded
- MichiganListed as eligible
- MinnesotaListed as eligible
- MississippiListed as eligible
- MissouriListed as eligible
- MontanaListed as eligible
- NebraskaListed as eligible
- NevadaListed as eligible
- New HampshireNot funded
- New JerseyNot funded
- New MexicoListed as eligible
- New YorkNot funded
- North CarolinaNot funded
- North DakotaListed as eligible
- OhioNot funded
- OklahomaListed as eligible
- OregonListed as eligible
- PennsylvaniaNot funded
- Rhode IslandListed as eligible
- South CarolinaListed as eligible
- South DakotaListed as eligible
- TennesseeListed as eligible
- TexasListed as eligible
- UtahNot funded
- VermontListed as eligible
- VirginiaListed as eligible
- WashingtonListed as eligible
- West VirginiaNot funded
- WisconsinListed as eligible
- WyomingListed as eligible
Common questions
Which states does 605 Lending not serve?
Arkansas, Arizona, Colorado, Connecticut, Georgia, Massachusetts, Maryland, North Carolina, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, West Virginia, Utah, and Washington D.C.
Can I apply if I live in a state 605 Lending does not serve?
Yes. You can still submit a request through our application, and lenders licensed in your state may be able to make you an offer.
Does 605 Lending lend in Michigan and Illinois?
Those states are not on its excluded list, but borrowers there have challenged its loans under state rate-cap and licensing laws. Check with your state regulator before signing.
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Sources
- 605 Lending official website: home, FAQ, rates, and how-it-works pages (605lending.com)
- FSST Management Services company information (fsstmanagementservices.com)
- Better Business Bureau profile, 605 Lending, Flandreau, SD
- Harris v. FSST Management Services, LLC, No. 1:22-cv-01063 (N.D. Ill.)
- Lessen v. FSST Management Services, LLC, No. 3:26-cv-03044 (C.D. Ill.)
- National Credit Union Administration, Payday Alternative Loan rules
- Consumer Financial Protection Bureau, consumerfinance.gov