mcpbeat Sign in

PaydayLoan.Help: state payday loan rules MCP Server

by paydayloan Your server? Claim it
answering

PaydayLoan.Help: state payday loan rules is answering right now. Last checked 14 min ago. It exposes 3 tools.

Payday loan laws for all 50 states and DC with sources, plus APR and renewal cost math.

Uptime history 23 hours of history
23 hours agonow
100.0%
Uptime 24h
86 of 86 checks
3
Tools
read from the server
230 ms
Response time
average over 24h
open, no key
Access
streamable-http

Nothing serious here today

Today is the operative word: we check PaydayLoan.Help: state payday loan rules every 15 minutes and re-read its code on every release. Watch it and you find out the day that stops being true.

Three servers free · no card

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 14 min ago.

run in your terminal
claude mcp add paydayloan-help --transport http https://paydayloan.help/mcp
Settings → Connectors → Add custom connector, then paste this address
https://paydayloan.help/mcp
~/.codex/config.toml
[mcp_servers.paydayloan-help]
url = "https://paydayloan.help/mcp"
.cursor/mcp.json
{
  "mcpServers": {
    "paydayloan-help": {
      "url": "https://paydayloan.help/mcp"
    }
  }
}
.vscode/mcp.json
{
  "servers": {
    "paydayloan-help": {
      "type": "http",
      "url": "https://paydayloan.help/mcp"
    }
  }
}

Available tools 3

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

payday
payday_loan_cost
The paydayloan.help cost calculator: from the amount borrowed, the fee per $100 and the days until due, returns the APR, the fee per period, total fees after a number of fee-only renewals, the principal still owed, and the same amount as a federal credit union payday alternative loan (PAL) at the 28% maximum rate: monthly payment and total interest.
state
get_state_payday_rules
One state's (or DC's) payday loan law as published on paydayloan.help: whether payday loans are allowed, maximum loan, term, fee or rate cap, rollovers, cooling-off, concurrent loans, extended payment plan, database, collection limits, other borrower rights, the regulator with license-lookup and complaint links, the statute citation, research date and confidence level, with every source URL.
states
list_states_by_payday_rule
Lists states (50 plus DC) by their payday loan rules as published on paydayloan.help: filter by status (allowed with limits, installment-only, or typical payday loans not allowed), by whether state law requires an extended payment plan, or by a list of state codes to compare. Each row gives the status, a one-paragraph summary, the payment-plan flag, research confidence and the state page link.

Endpoints

URLTransportStateLatencyChecked
https://paydayloan.help/mcp streamable-http answering 135 ms 14 min ago

Alternatives to PaydayLoan.Help: state payday loan rules

same job, measured the same way
501c3.HELP nonprofit compliance
by 501c3

Nonprofit compliance rules for all 50 US states, each with its official citation and status

3 tools answering
P
Pay Transparency Rules for Job Posts
by nero-engine

Must a job post show pay? Rules for US states and cities, Canada and all 27 EU countries. Sourced.

4 tools answering
A
AdvisorIQ
by advisoriq

CE rules for US advisors by designation and state, plus independent wealth RIA data, with sources.

13 tools answering
Tools Berry Paycheck
by tools-berry

Live US paycheck and payroll-tax math for 2026, all 50 states and DC, powered by tools-berry.com.

4 tools answering
Plan Before You Die facts
by planbeforeyoudie

Checked US family-readiness facts with official sources: forms, state rules and deadlines.

8 tools answering
PantryPOS — Food Pantry Finder and TEFAP Rules
by 0xpi-pantrypos

Find US food pantries near a ZIP or City, ST, and look up a State's TEFAP rules with sources. Free.

2 tools answering
Health Record Rights Index
by evil-robot

Health record rights: 198 countries scored 0 to 100 with sources; the 50 states and DC; real cases.

10 tools answering
ScrapeSelect
by scrapeselect

Current pricing, cost estimates and recommendations for web scraping APIs, with official sources.

6 tools answering

PaydayLoan.Help: state payday loan rules — questions

Answers built from our own checks of this server.

What can PaydayLoan.Help: state payday loan rules do?
It exposes 3 tools, read directly from the server on our last check. Among them: get_state_payday_rules, list_states_by_payday_rule, payday_loan_cost. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →
Is PaydayLoan.Help: state payday loan rules working right now?
We send a real MCP handshake every 15 minutes. Over the last 24 hours 86 of 86 checks got a reply (100.0%), average response time 230 ms. The bar chart above shows every period we have measured.
How do I connect PaydayLoan.Help: state payday loan rules?
Copy the ready config from this page. We generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each in the form that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.
Does PaydayLoan.Help: state payday loan rules need an API key?
No. PaydayLoan.Help: state payday loan rules completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 3 of them are readable on this page. This is what we observed, not what the docs claim.
How fast is PaydayLoan.Help: state payday loan rules?
It answers our handshake in 230 ms on average, which is faster than 61% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.