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Find title loans in your state

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Pick your state below to see how its law handles title loans. From there you can start a free estimate. Title Loan Hero helps drivers ask for a title loan in each of these states.

Title loan rules change from state to state. Each one decides who can offer these loans, and many also set limits on what lenders can charge.

Choose your state

Why some states are missing

Connecticut, Maine, Maryland, Massachusetts, New Jersey, New York, North Carolina, North Dakota, Pennsylvania, Vermont, Washington and West Virginia do not allow car title loans under state law. In Alaska, the law allows them only in limited forms, so that state is left off this list too.

Disclosure and example of title loan rates & fees

Loan approval depends on meeting the lender's credit criteria, which may include providing acceptable property as collateral. The loan amount, term and Annual Percentage Rate you qualify for may vary. Repayment terms are greater than 90 days and up to 36 months. Loan proceeds are intended primarily for personal, family and household purposes. Minimum loan amounts vary by state. You must be able to demonstrate the ability to repay the loan.

Not every applicant will qualify for the representative examples below, and final rates, terms and fees may vary by lender. If you are offered a loan, you can review the complete offer before accepting it. Providing your information does not guarantee approval. There is no charge to use this website, and Title Loan Hero may receive compensation from lenders and advertisers.

Representative examples, $2,615.00 financed. For illustration only.
Number of months Annual percentage rate The cost of your credit as a yearly rate Finance charge The dollar amount the credit will cost you Amount financed The amount of credit provided to you Monthly payment Total of payments What you will have paid after all scheduled payments
12shortest term35.91%$536.08$2,615.00$262.59$3,151.08
2435.90%$1,087.72$2,615.00$154.28$3,702.72
36longest term35.95%$1,694.56$2,615.00$119.71$4,309.56
Representative examples, $2,615.00 financed. For illustration only.
12 monthsshortest term24 months36 monthslongest term
Annual percentage rate (APR)
35.91%35.90%35.95%
Finance charge
$536.08$1,087.72$1,694.56
Amount financed
$2,615.00$2,615.00$2,615.00
Monthly payment
$262.59$154.28$119.71
Total of payments
$3,151.08$3,702.72$4,309.56

Disclaimers

  • There are no penalties for making additional payments or paying the loan off early.
  • APR is calculated assuming all installment periods are of equal length.
  • Additional fees: Lien fee of $15.00 is financed.
  • Additional fees: Prepaid documentation fee is $75.00 for loans up to $4,999, or 5% for loans of $5,000 or more.
  • Lenders may use the FICO scoring method when credit score is a factor in determining creditworthiness.
  • Maximum APR: 35.95%

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