PaydayLoan.Help State Rules
Look up your state's payday loan rules and compare what a loan really costs against a credit union PAL.
Reads paydayloan.help data on payday loan law in all 50 states and DC: caps, rollovers, cooling-off periods, payment plans, regulators and sources. Also calculates APR, renewal fees and the cost of a federal credit union PAL loan for the same amount. No sign-in needed.
Try asking Muse: "Compare the cost of a $400 payday loan with a 15 dollar fee per $100 due in 14 days against a PAL loan, and tell me what Texas law allows."
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Source: Found in the official MCP Registry (help.paydayloan/paydayloan-help) · First listed November 1, 2026
Last 24 hours
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How to add it to Muse
Not in Muse's Connectors list yet, but Muse can still use it. Copy the request below and paste it into Muse. Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
https://paydayloan.help/mcpNot in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
Also use it in ChatGPT or Claude
PaydayLoan.Help State Rules is a remote MCP server, so any assistant that can add a custom connector by link can use it. Same link, same tools.
Add it to ChatGPT
- 1
Open ChatGPT settings
In ChatGPT, open Settings, then Connectors (called Apps & Connectors on some accounts).
- 2
Turn on developer mode
Under Advanced settings, switch on Developer mode. That is what lets you add a connector by link.
- 3
Create the connector
Choose Create, give it a name, paste the link as the MCP server URL, and save. If it needs a sign-in, ChatGPT asks for it here.
- 4
Use it in a chat
Start a chat, open the tools menu, pick the connector, and ask. ChatGPT asks before it runs a tool the first time.
Custom connectors need a paid ChatGPT plan, and on Team, Enterprise and Edu accounts only an admin can add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in ChatGPT
Add it to Claude
- 1
Open Claude settings
In Claude, open Settings, then Connectors.
- 2
Add a custom connector
Choose Add custom connector, give it a name, and paste the link.
- 3
Connect and use it
If it needs a sign-in, Claude sends you to it. Then turn the connector on in a chat from the tools menu and ask.
Custom connectors are available on paid Claude plans; on Team and Enterprise accounts an admin may need to add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in Claude
https://paydayloan.help/mcpWhat people ask Muse to do
Technical details: safety screening, tools, response time and recent checks
Response time at the last check: 228ms. Worked in n/a of checks over 30 days.
Screening · November 1, 2026
Screened, no issues found
Screening looks for known threats and hidden instructions at the time of the check, and runs again weekly and whenever the tool list changes. It cannot see the server's code, so only connect what you need and review what Muse asks to do. How screening works.
Tools · 3
get_state_payday_rulesOne 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 lilist_states_by_payday_ruleLists 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. Eacpayday_loan_costThe 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 Link
https://paydayloan.help/mcpQuestions about PaydayLoan.Help State Rules in Muse
How do I connect PaydayLoan.Help State Rules to Muse?
Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use PaydayLoan.Help State Rules to help me. It is a free service with an MCP server at https://paydayloan.help/mcp. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
Is PaydayLoan.Help State Rules working right now?
At the last check (November 1, 2026, 22:11 UTC) the endpoint was working, answering in 228ms. It is checked every 15 minutes.
Is PaydayLoan.Help State Rules safe to connect to Muse?
It was screened on November 1, 2026 with the result "screened, no issues found". Screening checks the domain against threat feeds and reads the tools for hidden instructions and requests for passwords or card numbers. It cannot see the server's code, so grant only the access you need.
What can PaydayLoan.Help State Rules do in Muse?
It exposes 3 tools, including get_state_payday_rules, list_states_by_payday_rule, payday_loan_cost. For example, you could ask Muse: "Compare the cost of a $400 payday loan with a 15 dollar fee per $100 due in 14 days against a PAL loan, and tell me what Texas law allows."
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