State-by-State SCRA Benefits

Your state stacks its own protections on top of the federal SCRA: state-duty Guard coverage, longer rate caps, broader lease exits. What applies where you live.

• California SCRA Benefits: The Strongest State Law in America

  California extends the 6% cap 120 days past your service, covers Guard on state duty, adds payment deferrals, and makes violations a crime.

  💰 Extra 4 months of capped rates

• Florida SCRA Benefits: The 35-Mile Lease Exit & State Duty

  Florida lets service members break a lease for ANY 60+ day orders 35+ miles away, far broader than federal law, and covers Guard on state duty.

  💰 Lease exits federal law denies

• North Carolina SCRA: Federal Law Plus, In State Court

  NC wrote the entire federal SCRA into state law (G.S. 127B), extended it to Guard on state duty and to dependents, and opened state-court enforcement.

  💰 Dependents get full protections

• Texas SCRA Benefits: State-Duty Coverage & the Lease Quirk

  Texas extends SCRA protections to its military forces on state active duty, lets lease notice start the clock before orders arrive, and taxes nothing.

  💰 State-duty Guard: full protections

• Virginia SCRA Benefits: Guard Coverage, Contract Exits, Car Tax

  Virginia extends SCRA protections to Guard on 30+ day state orders, adds service-contract termination for PCS/TDY, and exempts your car from its tax.

  💰 Often $1,000+/yr with car tax