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美国发薪日贷款由放贷人提供小额、短期、无担保贷款，借款人在发薪日还款。额度一般在100美元到1500美元之间，期限2周，年化利率一般都在300％VA上，NPL为10％-20％，美国7家上市的发薪日贷款机构的ROE为15．4％。美国理论界对发薪日贷款意见不一，各州对发薪日贷款的监管差异也很大，有的允许且没有利率限制，有的允许但有很多限制（比如60％的利率上限），13个州完全禁止，联邦法律规定的向军人贷款的年利率上限为36％。“,”U.S. payday loans are small, short-term, unsecured loans, provided by payday lender. Borrowers will repay on their payday. The amount of loans is generally between $100 and $1500, with maturity of 2 weeks. Its annualized interest rate is generally over 300% and NPL of 10%-20%. The ROE of 7 listed payday lending institutions is 15.4%1 American theory fields have different views on payday loans. State regulations on payday loans vary widely. Some allowed with no interest rate restrictions, some allowed but with many limitations （such as the interest rate cap of 60%）, and 13 states totally ban payday loans. The ceiling of interest rate allowed by federal law for military loan is 36%.