Unpaid personal loan in small claims court

Lending money to a friend or family member without repayment can lead to a small claims case. You do not need a formal promissory note to sue, but having written evidence of the loan — even text messages or emails confirming the amount and a promise to repay — dramatically strengthens your case. The key elements are proving the loan was made, the amount, and that repayment was due.

Steps that matter

1. Gather all evidence of the loan: bank transfers, cash-withdrawal records, texts, emails, or any written note agreeing to repay.
2. Calculate the amount owed including any agreed interest, and confirm when repayment was supposed to occur.
3. Send a written demand for repayment with a clear deadline and keep proof you sent it.
4. Confirm you are within the statute of limitations below before filing — the clock may have started from the repayment due date.
5. File in the court where the defendant lives or where the loan was agreed to.

Find your state's guide

• Texas — up to $20,000 · Justice Court (Justice of the Peace) ✓ Auto-fill
• Connecticut — up to $5,000 · Small Claims Court (a session of the Superior Court) ✓ Auto-fill
• Delaware — up to $25,000 · Justice of the Peace Court ✓ Auto-fill
• Hawaii — up to $5,000 · Small Claims Division of the District Court ✓ Auto-fill
• Kansas — up to $10,000 · the small claims division of the District Court ✓ Auto-fill
• Maryland — up to $5,000 · Small Claims division of the District Court of Maryland ✓ Auto-fill
• Michigan — up to $7,000 · Small Claims Division of the District Court ✓ Auto-fill
• Missouri — up to $5,000 · Small Claims Court (the small claims division of the Circuit Court) ✓ Auto-fill
• North Dakota — up to $15,000 · Small Claims Court (a division of the District Court) ✓ Auto-fill
• Pennsylvania — up to $12,000 · Magisterial District Court ✓ Auto-fill
• South Dakota — up to $12,000 · Small Claims Court (within the Circuit Court system) ✓ Auto-fill
• California — up to $12,500 · Small Claims Court (the small claims division of the Superior Court)
• New York — up to $10,000 · Small Claims Court (the small claims part of the local civil court)
• Florida — up to $8,000 · County Court (Small Claims division)
• Illinois — up to $10,000 · Circuit Court (Small Claims)
• Ohio — up to $6,000 · Small Claims Division of the Municipal or County Court
• North Carolina — up to $10,000 · Small Claims Court (heard by a magistrate in the District Court division)
• New Jersey — up to $5,000 · Small Claims Section of the Special Civil Part (Superior Court, Law Division)
• Virginia — up to $5,000 · Small Claims Division of the General District Court
• Washington — up to $10,000 · District Court (Small Claims Department)
• Georgia — up to $15,000 · Magistrate Court
• Massachusetts — up to $7,000 · District Court, Boston Municipal Court, or Housing Court (small claims)
• Indiana — up to $10,000 · Small Claims docket of the Circuit or Superior Court
• Wisconsin — up to $10,000 · Circuit Court (Small Claims)
• Colorado — up to $7,500 · Small Claims Court (a division of the County Court)
• Minnesota — up to $20,000 · Conciliation Court
• South Carolina — up to $7,500 · Magistrates Court
• Louisiana — up to $5,000 · Small Claims Division of a City Court
• Arizona — up to $5,000 · Small Claims Division of the Justice Court
• Arkansas — up to $5,000 · Small Claims Division of the District Court
• Idaho — up to $5,000 · Small Claims Department of the Magistrate Division of the District Court
• Iowa — up to $6,500 · District Court (small claims docket)
• Kentucky — up to $2,500 · Small Claims Division of the District Court
• Maine — up to $10,000 · Small Claims Court (a session of the District Court)
• Montana — up to $7,000 · Small Claims Court (a division of the Justice Court)
• Nebraska — up to $7,500 · Small Claims Court (a division of the county court)
• Nevada — up to $10,000 · Justice Court (small claims division)
• New Hampshire — up to $10,000 · Circuit Court, District Division
• New Mexico — up to $10,000 · Magistrate Court (Metropolitan Court in Bernalillo County)
• Oklahoma — up to $10,000 · District Court (small claims docket)
• Rhode Island — up to $5,000 · Rhode Island District Court (Small Claims)
• Utah — up to $20,000 · Justice Court
• Vermont — up to $10,000 · Vermont Superior Court, Civil Division (small claims)
• West Virginia — up to $20,000 · Magistrate Court
• Wyoming — up to $6,000 · Circuit Court (Small Claims)
• District of Columbia — up to $10,000 · Small Claims and Conciliation Branch, Civil Division, Superior Court of the District of Columbia
• Oregon — up to $10,000 · Small Claims Department of the Circuit Court

This page is general information, not legal advice, and CaseBySelf is not a law firm. Rules, fees, and deadlines change and vary by court: always verify with your local court.