MLA (Military Lending Act)
Also known as: Military Lending Act, MAPR
Federal law capping consumer-credit APRs to active-duty service members and their dependents at 36% (the Military APR, or MAPR).
Full definition
The federal Military Lending Act (MLA) caps the cost of consumer credit extended to active-duty service members and their dependents at a 36% Military Annual Percentage Rate (MAPR). The MAPR is broader than a standard APR: it includes interest, fees, and certain credit-insurance premiums. Lenders are required to check covered-borrower status before extending credit. Get Advance Loan requires its lender partners to comply with the MLA.
- Written by
- Get Advance Loan Editorial Team
- Reviewed by
- Compliance Review
- Published
- January 15, 2026
- Last reviewed
- May 22, 2026
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