State Disclosures


Premier Title Loans is dedicated to providing transparent and responsible title loan lending services. Please check your specific state disclosures before committing to a loan with a licensed lender. We do not offer title loans in every state, and regulations regarding interest rates, repayment terms, and loan amounts are constantly changing. We may act as a broker or referral service in states we don’t service. In that case, your loan will be underwritten and serviced by a licensed lender in that state. Last Updated: December 20, 2023.


Alabama – The Alabama Consumer Credit Act regulates title loans in Alabama.


Arkansas – All short term lenders are regulated by the Arkansas Attorney General.


Arizona – Loans in Arizona are regulated in accordance with the Arizona Department of Financial Institutions.


California – The Department of Financial Protection And Innovation regulates all title loans in California. Interest rates are capped at 36% for loans between $2,500 and $10,000.


Delaware – Lenders must be licensed with the Office of the State Bank Commissioner.


Florida– The Florida Office Of Financial Regulation (OFR) regulates and oversees the financial services industry.


Georgia – The Department of Banking and Finance regulates vehicle equity lenders in Georgia.


Idaho – Title loans issued in Idaho must adhere to the restrictions outlined in the Idaho Credit Code.


Illinois – Consumer loans issued in Illinois must be made in accordance with the Illinois Department Of Financial & Professional Regulations.


Indiana – The Indiana Department of Financial Institutions regulates equity lenders. These companies must adhere to rates and terms set by the Indiana Small Loan Law.


Kansas – Lenders and credit service organizations are regulated and supervised by The Office of the State Bank Commissioner.


Kentucky – The Department of Financial Institutions (DFI) has regulatory oversight over all title pledge lenders within the state.


Louisiana – The Louisiana Office of Financial Institutions regulates title loan companies offering loans within the state.


Missouri – The Missouri Division Of Finance regulates all short term lending companies in Missouri.


New Mexico – Loans issued in New Mexico must adhere to restrictions established by the New Mexico Regulation & Licensing Department.


Ohio – Companies funding short term loans in Ohio are regulated by the Ohio Department of Commerce – Ohio Residential Mortgage Lending Act.


Oregon – The Oregon Department of Consumer & Business Services supervises Title loan providers.


South Carolina – State-licensed lenders in South Carolina are regulated by the State’s Consumer Finance Division.


Tennessee – Title loans offered in Tennessee must adhere to all lending restrictions set by the Tennessee Department Of Financial Institutions.


Texas – Loans made by regulated lenders in Texas must be in accordance with the Texas Office of Consumer Credit Commissioner.


Utah – Licensed lenders in Utah must adhere to the regulations of the Utah Department Of Financial Instructions.


Virginia – The Virginia State Corporation Commission regulates state-licensed lenders.


State title loan lending disclosures and regulations.