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Interest rates are limited to 36 percent annually. The maximum APR (interest and fees) is 153.77 percent. No more than two renewals, or roll overs, are allowed on an existing loan. After two renewals, you must pay the loan amount and interest in full. The payday or title loan must be for at least 31 days and not longer than 60 

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Below are some options if you took out a payday loan. One thing you should not do is take out another payday loan to pay for the other. This will only make the problem worse. 1. Ask your payday lender for a repayment plan. A repayment plan allows you to stop the interest from building up on the debt after 35 days.