# PaydayLoan.Help State Rules Muse connector

From musedirectory.ai, the independent directory of Meta Muse connectors. Not affiliated with Meta.

## PaydayLoan.Help State Rules

Look up your state's payday loan rules and compare what a loan really costs against a credit union PAL.

- Record: https://musedirectory.ai/connector/paydayloan-help-state-rules
- Category: Finance & Bills
- Developer: paydayloan.help (https://paydayloan.help/developers/)
- Muse status: Extra setup. Not in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
- Health: Working, 228ms, checked 2026-11-01T22:11:19Z
- Endpoint: https://paydayloan.help/mcp
- Auth: No account needed; Pricing: unknown
- Screening: Screened, no issues found (2026-11-01T22:16:32Z)
- Source: Found in the official MCP Registry (help.paydayloan/paydayloan-help) https://registry.modelcontextprotocol.io/v0/servers?search=help.paydayloan%2Fpaydayloan-help

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.

Example request: "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."

How to connect: 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.

Tools:
- 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 li
- 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. Eac
- 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 

Screening checks:
- MCP handshake: pass (Answered in 189ms)
- Domain against threat feeds (Cloudflare security DNS): pass (paydayloan.help not flagged)
- Published packages against the OSV malicious-package database: n/a (No npm or PyPI package published)
- Hidden instructions or invisible characters in tool text: pass (3 tools read, nothing found)
- Inputs asking for passwords, card numbers or seed phrases: pass (None found)
- Domain and redirects: pass (No redirects off the domain)
- AI review of purpose and tool behavior: pass (No concerns)