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Title Loan Laws And Disclosures For Each State
How Car Title Loans Are Regulated
Title loans are primarily regulated at the state level, and the states listed below fall into three broad categories. In a few states, title loans are generally not permitted, or those states have extremely low interest rate caps that limit the availability of traditional title loan products. In the second category, auto title loans are legally permitted but may be subject to strict regulatory requirements, such as quick repayment terms, loan amount limits, or “all-in” APR caps. The third category is less defined; title loans are technically available, but often through lenders operating under alternative legal structures, and frequently with tighter limits on amounts and terms. Often, in these states, lenders will structure a title loan so that it falls under other state credit laws rather than more restrictive laws specifically regulating short term loans and title loans.
If you’re in a state that restricts traditional title loans, you may still have access to alternative funding options, such as installment loans, lines of credit, or registration loans. Some states that limit title loans still allow other forms of credit. Contact Premier Title Loans at 800-250-6279 to learn more about the specific lending options in your state.
Premier Title Loans is dedicated to providing transparent, responsible title loan services. Please review your state-specific disclosures before committing to a loan with a licensed lender. For each state below, we’ve linked to our site’s page with more information on lending options, regulations, and requirements in that state. This information is for general informational purposes only and does not constitute legal advice. Regulations and state restrictions may change, and loan availability varies by lender and jurisdiction.
If your state isn’t linked out below, then we either don’t service that state or don’t work with lenders there. Last Updated: May 11, 2026.
Title pawns in Alabama fall under the Alabama Pawnshop Act, not traditional title loan law. That means the lender is treated as a pawnbroker and must be licensed with the state to offer vehicle-secured loans. The initial contract term is 30 days, with a 25% monthly fee cap (300% APR). These title pawns can be renewed monthly until they’re repaid. There’s no cap on how much you can borrow, nor is there a minimum loan amount requirement.
Alaska
Alaska has no statutes authorizing title loans, making them effectively unavailable in the state.
Arizona allows title loans, and they are regulated under the Motor Vehicle Time Sales Disclosure Act (ARS § 44-281 et seq.). The maximum monthly finance rates depend on your original loan amount. For example, if the loan amount is $500 or less, the maximum monthly finance rate is 17%. For loans of more than $500 but no more than $2,500, the monthly cap is 15%. For a loan of more than $2,500 but not exceeding $5,000, the monthly finance rate can be as high as 13%; for amounts exceeding $5,000, it’s 10%.
Title loans in Arizona have a minimum repayment term of 30 days, with no maximum. The duration of your repayment term is set by agreement between the borrower and the lender. There is no minimum or maximum loan amount for vehicle title loans within the state.
Title loans are not permitted in Arkansas because the state has a constitutional interest rate cap of 17% on consumer loans.
Auto title loans are legal in California and regulated by the California Financing Law. Title loans in California between $2,500 and $9,999 have an interest rate cap of 36% plus the federal funds rate.
As of April 27, 2026, the federal funds rate is approximately 3.64%, resulting in a maximum rate of approximately 39.64%. This figure will change if the Federal Reserve adjusts the federal funds rate.
Title loans of $10,000 or more are not subject to any state interest rate cap under the California Financing Law, allowing lenders to often charge much higher rates on these loans. Loan amounts for title loans under $2,500 are generally unavailable in California because they fall under more restrictive small-loan interest rate caps, which make them impractical for most lenders to offer.
Under AB 539, title loans between $2,500 and $9,999 require a minimum repayment term of 12 months. For loan amounts between $2,500 and $2,999, the maximum repayment term is 48 months and 15 days. For loan amounts between $3,000 and $9,999, the repayment term cannot exceed 60 months and 15 days. There is no statutory repayment term limit for loans of $10,000 or more.
Colorado
Title loans are generally not permitted in Colorado. These types of loans are not outright banned, but interest rates on title loans (and other consumer loans) are limited to 36% in the state, and there are further restrictions on the fees a lender can charge.
Connecticut
Title loans are not permitted in Connecticut. State law prohibits lenders from offering a loan secured by a vehicle.
Title loans are allowed in Delaware and regulated by the Office of the State Bank Commissioner. Unlike other states, Delaware does not have a mandated maximum loan amount. There is no state-mandated interest rate cap, and title loan repayment terms are typically structured for up to 180 days.
District of Columbia
Traditional car title loans are effectively prohibited in the District of Columbia. With the DC Interest Rate Reform Amendment Act capping interest rates on non-bank consumer loans at 24% APR, the high-interest model most lenders use is unsustainable.
In Florida, title loan lenders operate under the state’s consumer financing laws. Per the Florida Title Loan Act, title loan companies are licensed and regulated by the Office of Financial Regulation.
Florida law limits title loans to an initial repayment term of 30 days, and extensions may be permitted if agreed upon by the lender and borrower, subject to applicable law.
There are no minimum or maximum loan amounts for title loans in Florida. Interest rates in Florida are calculated on a “simple interest” basis. The rate starts at 30% annually on the first $2,000, steps down to 24% on the next $1,000, and drops further to 18% on anything above $3,000. Monthly equivalents are 2.5%, 2%, and 1.5%, respectively.
Title loans are legal in Georgia and regulated as “title pawns” under the Georgia Pawnshop Act. These title pawn loans have a 30-day repayment term, which can be renewed indefinitely if both parties agree. There is no minimum or maximum loan amount for title pawns in Georgia. For the first 90 days, lenders can charge up to 25% per month. After that point, the cap is cut in half, dropping to 12.5% per month going forward.
Hawaii
Title loans are not permitted in Hawaii. State law prohibits lenders from offering a loan secured by a vehicle.
Idaho does not set specific caps on interest rates, loan amounts, or repayment terms for title loans. It’s one of the least regulated title loan markets in the country, which means terms vary widely by lender.
Title loans offered in Illinois must comply with an “all-in” interest rate cap of 36% under the Predatory Loan Prevention Act. There are no minimum or maximum loan amounts for title loans in Illinois. However, regulations require payments to be made in equal installments, and a borrower’s monthly payment cannot exceed 22.5% of their monthly income.
Title loans in Indiana are considered “supervised” under the state’s Uniform Consumer Credit Code. Interest rates on “supervised” loans are capped at 36% APR for portions of the loan below $2,000. For “supervised” loans under $4,000, the repayment terms must be structured with payment periods of 12 to 37 months. While Indiana’s legal interest rate cap is 36%, rates in the state often hover around 25%.
As of 2026, there is no minimum or maximum loan amount for title loans in Indiana.
Iowa
Iowa does not allow most types of title loans, regardless of interest rate. Specifically, state law prohibits lenders from offering a vehicle-secured loan if the interest rate exceeds 21% per year.
In Kansas, title loans are regulated under the state’s Uniform Consumer Credit Code. Title loans are structured as open-end credit within the state, and there is no interest rate cap. Loan terms and amounts are agreed to by the lender and borrower, and there’s no cap on those “open-ended” loans.
Title loans are allowed in Kentucky, and as of 2026, there are no set limits on minimum or maximum repayment terms or loan amounts. The state’s usury laws limit interest rates at 8% per year unless both the lender and borrower agree to a different rate. Even in this scenario, the APR cannot exceed 19% for loans of $15,000 or less.
Louisiana allows car title loans, but with specific restrictions and regulatory requirements. Per state law, depending on how the loan is structured, consumer loan interest rates (title loans) are limited to 36% on the first $1,400 borrowed. Since Louisiana has tiered interest restrictions, these rates can be further capped at 21% for larger loan amounts. Some lenders structure the loan as a title pawn instead, which carries a separate monthly interest rate cap of 20%.
There is no set minimum or maximum loan amount in the state’s consumer loan statutes. While there’s no minimum repayment term for title loans in Louisiana, the maximum repayment term is 60 months.
Maine
Maine doesn’t allow most types of traditional car title loans. The state’s usury cap of 6% effectively prohibits title loan companies from operating there.
Under Maryland law, a title loan is classified as a consumer loan. That means lenders must follow consumer loan licensing requirements and interest rate caps. The maximum legal interest rate is 33% for loans of $2,000 or less. For loan amounts between $2,000 and $6,000, the interest rate on this balance drops to 24%. All loans secured with a vehicle title in Maryland must be structured as installment loans with a fixed end date.
Massachusetts
Title loans are generally not permitted in Massachusetts. Under state law, loans of $6,000 or less are subject to a 12% interest rate cap. For loan amounts over $6,000, the state has a criminal usury cap of 20% APR.
Michigan does not allow most traditional title loans in which a lender keeps the vehicle as collateral. Instead, some lenders offer installment loans secured by a vehicle with repayment terms of up to 60 months. Interest rates for these loans are capped at 25% per year. Maximum loan amounts for regulated loans in Michigan are capped at $25,000.
Rates are tiered by loan size: 11% on the first $1,500, 9% on amounts between $1,500 and $2,500, and 7% on amounts over $2,500.
Title loans are technically allowed under Minnesota state law, but the maximum repayment term for consumer loans (including title loans) is 30 days, which limits lending options. State law does not specify a general cap on loan amounts or APR for these loans. Title loan lenders must be licensed by the Minnesota Department of Commerce.
The Title Pledge Act dictates what can and cannot happen in title loan lending. Per the Mississippi Title Pledge Act, the maximum loan amount for a title loan is $3,250, and the state caps the fee at 25% of the principal amount for each 30-day period. Renewals are allowed for 30-day terms, and each renewal requires a mandatory 10% reduction in your principal.
There are no caps on interest rates for Missouri title loans. The minimum repayment term is 30 days. While renewals are allowed, at the third renewal, 10% of the loan must be paid down. Additionally, the total fees and interest a borrower pays cannot exceed 75% of the initial amount borrowed.
Title loans in Montana are issued for a 30-day term, and consumers can renew their loans as long as the principal is reduced by 10% with each renewal. Interest rates are capped at 36% per year for all types of consumer loans in Montana.
Nebraska
Under Nebraska’s general usury law, lenders may charge up to 16% APR on most consumer loans of up to $25,000 issued within the state. The state does not have a defined minimum or maximum for repayment terms; these terms are set by the borrower and lender.
For title loans in Nevada, the legally allowed loan amount is limited to the vehicle’s resale value, and state law does not set a cap on interest rates. The original repayment term for a title loan is up to 30 days, and these loans can be extended up to 6 times, each for up to 30 days (a total of 210 days).
New Hampshire
Title loans in New Hampshire are regulated as small loans per RSA 399-A. These loans must have a repayment term of no more than 1 month, and a lender may allow the loan to be renewed up to 9 additional periods (for a total of 10 months). With each renewal, the borrower must pay at least 10% of the original balance plus finance charges.
New Jersey
In New Jersey, the state’s usury regulations cap interest rates at 30% for most consumer loans.
Under the New Mexico Small Loan Act, loans of $10,000 or less are capped at 36% APR. The minimum repayment term is 4 months, and the maximum repayment term is 24 months. The NM Financial Institutions Division regulates company licensing, disclosures, and individual contract requirements.
New York
New York’s usury laws prevent most traditional car title loan lenders from operating within the state. Non-bank lenders must comply with a 16% APR civil usury cap, and rates above 25% APR may result in criminal usury penalties.
North Carolina has no specific laws regulating title loans, but vehicle-secured loans must comply with the state’s consumer lending regulations. Under North Carolina General Statute 24-1.1, consumer loans of $25,000 or less are subject to a 16% per annum interest rate cap. While some lenders licensed under the Consumer Finance Act may charge up to 33%, that rate is still below the threshold most lenders need to sustain a viable business model. Because of that, traditional title loan products are generally unavailable in North Carolina.
North Dakota
Title loan companies in North Dakota must comply with the state’s usury rate restrictions, which cap interest rates on consumer loans at 5.5% above the six-month US Treasury Rate, as computed monthly by the state banking commissioner. As of May 2026, the six-month Treasury Bill Rate is approximately 3,74%, making the current maximum usury rate approximately 9.24%.
Title loans in Ohio are primarily regulated by the Ohio Consumer Installment Loan Act and the Ohio Short-Term Loan Act. Based on these regulations, you can’t use a vehicle as collateral for a loan of $1,000 or less.
Many title loan companies in Ohio are regulated by the Ohio Consumer Installment Loan Act. This act currently allows loans with interest rates up to 25% and a monthly maintenance fee of 10% or $30, whichever is smaller. Repayment terms can range from 6 to 60 months.
In Oklahoma, loans secured by a vehicle are regulated as “supervised loans” under the Consumer Credit Code. Interest rates are tiered and float with market conditions.
As of April 1, 2026, the maximum finance charge for a title loan is capped at 32% plus the Federal Funds Rate (currently 35.64%) on the first $7,000 of the principal balance, 23% plus the Federal Funds Rate (currently 26.64%) on balances between $7,000 and $11,000, and 20% plus the Federal Funds Rate (currently 23.64%) on any amount above $11,000. Alternatively, lenders may charge a flat 25% plus the Federal Funds Rate (currently 28.64%) across the full principal balance, whichever structure results in the higher charge.
These interest rate caps on title loans in Oklahoma decrease as your loan amount increases. Your loan must have a fixed end date, and repayment terms are capped at 37 months for smaller loans and at 49 months for loans over $1,320.
A lender must be licensed in Oregon, and consumer loan interest rates are capped at 36% annually. The minimum repayment term for a title loan in Oregon is 31 days, and the maximum is 60 days. Oregon allows no more than 2 renewals per loan. After the 2nd renewal, the loan must be paid in full before any new lending agreement is reached.
Pennsylvania
Title loans are not permitted in Pennsylvania.
Rhode Island
Rhode Island state law caps interest rates on consumer loans at 21% per year. These interest rate caps effectively prohibit title loan companies from operating within the state.
Vehicle title loans are regulated by the South Carolina Consumer Protection Code. They have an initial term of 30 days and can be renewed as long as the lender verifies the borrower’s ability to repay. There are no statutory minimums or maximums on the loan amount. However, the loan amount cannot exceed the vehicle’s fair market value.
South Dakota
Title loans are not permitted in South Dakota.
The Tennessee Title Pledge Act permits car title loans up to $2,500 with an initial 30-day repayment term. These loan agreements may be renewed automatically for the borrower. At the third renewal, the borrower must pay 5% of the original amount, plus any applicable fees and interest as permitted under the Tennessee Title Pledge Act. Title loan lenders in Tennessee can charge a fee of up to 20% of the remaining principal per month, in addition to a 2% monthly interest rate.
Texas allows car title loans with no state-level cap on loan amounts, interest rates, or fees. Most title loans in Texas are arranged through Credit Access Businesses (CABs), and terms vary by lender. However, more than 45 Texas cities (including Austin, Dallas, Houston, and San Antonio) have local lending ordinances that cap loan amounts based on your gross annual income and limit repayment terms to 4 total installments. In these cities, every payment you make must reduce your principal balance by at least 25%.
Utah allows car title loans, and as of 2026, there are no limits or caps on loan amounts, repayment terms, or interest rates. In 2004, the state legislature passed House Bill 189, which established a regulatory framework for title loan companies. The title lender must register with the state and post the interest or fees charged in connection with a loan, in accordance with the Truth in Lending requirements.
Only one loan can be provided per vehicle, up to its fair market value. The loan may be renewed, and there is no statutory interest rate cap for title loans.
Vermont
Title loans are effectively prohibited in Vermont because the interest rates typically associated with them exceed the state’s 12% per annum cap under Vermont Statute § 41a.
Virginia state law allows title loans up to 50% of a vehicle’s fair market value, with a maximum loan amount of $2,500. These loans are regulated by the Virginia Fairness in Lending Act, which caps interest at 36% APR. In addition to interest charges, licensed lenders can also assess a monthly maintenance fee of 8% of the original loan amount, up to $15 (whichever is less).
Payment terms in Virginia range from 6 to 24 months. Shorter terms are available if the scheduled monthly payment falls within a set percentage of the borrower’s verified income.
Title loans are legal in Washington only when they are offered by licensed lenders under the Consumer Loan Act. Recent changes to this Act have set a maximum interest rate of 25% APR for consumer loans (including title loans). This cap generally includes most interest rates and fees. There is no minimum or maximum title loan amount within the state.
West Virginia
Car title loans are not permitted in West Virginia. State interest rate caps and lending regulations effectively prohibit title loans.
Wisconsin law allows borrowers to obtain title loans up to 50% of the vehicle’s value, with a maximum of $25,000.
There’s no cap on interest rates before the loan matures, and the repayment term can be up to six months. If the loan is not fully repaid by the maturity date, the interest rate is capped at 2.75% monthly (33% APR).
Wyoming
Lending laws in Wyoming require that loans secured by a vehicle title with a term of no more than 12 months adhere to specific guidelines. One requirement is that the lender must be licensed and bonded within the state to offer title loans. As of 2026, there is no state-specific minimum or maximum loan amount for title loans. Finance charges are capped at whichever is less: $30 or 20% of the remaining principal per month.
