FineDay Funds Requirements: All 50 States

FineDay Funds operates under tribal law as an enterprise of the Menominee Indian Tribe of Wisconsin. While tribal sovereignty allows the lender to operate in many states regardless of state interest rate caps, this service voluntarily restricts lending in 13 states. This page provides a complete state-by-state breakdown of where FineDay Funds operates as of May 2026.

Quick Summary

• States served: 37 states plus DC
• States not served: 13 states
• Higher age requirements: Alabama and Nebraska (19+), Mississippi (21+)

FineDay Funds Availability by State

State	Status	Min. Age	Notes
Alabama	Available	19+	Available
Alaska	Available	18+	Available
Arizona	Available	18+	Available
Arkansas	Not Available	—	Voluntary restriction
California	Available	18+	Available
Colorado	Available	18+	Available
Connecticut	Not Available	—	Voluntary restriction
Delaware	Available	18+	Available
Florida	Available	18+	Available
Georgia	Not Available	—	Voluntary restriction
Hawaii	Available	18+	Available
Idaho	Available	18+	Available
Illinois	Available	18+	Available
Indiana	Available	18+	Available
Iowa	Available	18+	Available
Kansas	Available	18+	Available
Kentucky	Available	18+	Available
Louisiana	Available	18+	Available
Maine	Available	18+	Available
Maryland	Not Available	—	Voluntary restriction
Massachusetts	Not Available	—	Voluntary restriction
Michigan	Available	18+	Available
Minnesota	Not Available	—	Voluntary restriction
Mississippi	Available	21+	Available with higher age requirement
Missouri	Available	18+	Available
Montana	Available	18+	Available
Nebraska	Available	19+	Available with higher age requirement
Nevada	Available	18+	Available
New Hampshire	Available	18+	Available
New Jersey	Available	18+	Available
New Mexico	Available	18+	Available
New York	Not Available	—	Voluntary restriction
North Carolina	Not Available	—	Voluntary restriction
North Dakota	Available	18+	Available
Ohio	Available	18+	Available
Oklahoma	Available	18+	Available
Oregon	Available	18+	Available
Pennsylvania	Not Available	—	Voluntary restriction
Rhode Island	Available	18+	Available
South Carolina	Available	18+	Available
South Dakota	Available	18+	Available
Tennessee	Available	18+	Available
Texas	Available	18+	Available
Utah	Available	18+	Available
Vermont	Not Available	—	Voluntary restriction
Virginia	Not Available	—	Voluntary restriction
Washington	Available	18+	Available
West Virginia	Not Available	—	Voluntary restriction
Wisconsin	Not Available	—	Home state — different rules
Wyoming	Available	18+	Available

Why Are Some States Restricted?

FineDay Funds voluntarily restricts lending in 13 states due to a combination of state-specific regulatory considerations, ongoing litigation risk, and business decisions. These restrictions generally fall into a few categories:

• Aggressive state attorneys general: States like New York, North Carolina, and Pennsylvania have actively pursued enforcement against tribal lenders, making operations risky.
• State usury caps: Some states have particularly strict interest rate caps that conflict with tribal lending business models.
• Class action exposure: States with histories of consumer protection class action settlements against tribal lenders.
• Home state: Wisconsin (the Menominee tribe's home state) has different operational rules.

Alternatives for Restricted States

If this tribal lender isn't available in your state, consider these alternatives:

For New York, North Carolina, Pennsylvania residents

These states have strong consumer protection laws that limit high-APR lending. Your best options are:

• Federal credit union PAL loans (28% APR cap, available in all states)
• State-licensed installment lenders that comply with your state's interest rate cap
• Earned wage access apps (no state restrictions)

For Maryland, Massachusetts, Connecticut, Vermont residents

• Federal credit union PALs
• State-licensed small dollar lenders
• Community development financial institutions (CDFIs)

For Georgia, Arkansas, Minnesota, Virginia, West Virginia residents

Some tribal lenders may still operate in these states even if FineDay Funds doesn't. Check Spotloan, MaxLend, or Plain Green availability. See our alternatives guide.

State-Specific Considerations

California

FineDay Funds is available in California. California has strong consumer protections under the California Financing Law, but tribal lenders generally operate under tribal sovereignty rather than CA state law.

Texas

FineDay Funds is available in Texas. Texas has relatively permissive lending regulations, making it a common state for tribal installment lenders to operate.

Florida

FineDay Funds is available in Florida. Florida has a 30% APR cap for state-licensed installment lenders, but tribal lenders are not subject to this cap.

Oklahoma

FineDay Funds is available in Oklahoma. Oklahoma is home to several tribal lenders and generally accommodates tribal lending operations.

Federal Protections That Apply Regardless of State

Regardless of which state you live in, certain federal laws apply to all FineDay Funds borrowers:

• Truth in Lending Act (TILA): Requires clear disclosure of APR and total cost
• Equal Credit Opportunity Act (ECOA): Prohibits discrimination in lending
• Fair Debt Collection Practices Act (FDCPA): Limits collection practices
• Military Lending Act (MLA): Caps APR at 36% for active-duty servicemembers

For complaints, you can contact the CFPB or your state attorney general.

Check Your State Eligibility

If FineDay Funds operates in your state, you can check your eligibility now. The pre-qualification check uses a soft credit pull only — no impact on your credit score.