State Guides
Title Loans by State
Title loan regulations vary significantly by state. Find detailed information about laws, requirements, and licensed lenders in your state.
20 States Covered
Verified Information
States with Consumer Protections
These states have implemented interest rate caps or other consumer protections for title loans.
California
APR Cap: Varies by loan amount
Georgia
APR Cap: 25% per month (first 3 months)
Illinois
APR Cap: 36% APR cap (PLPA)
Mississippi
APR Cap: 25% per month
New Mexico
APR Cap: 175% APR cap
Ohio
APR Cap: 28% APR cap (Short-Term Loan Act)
South Dakota
APR Cap: 36% APR cap (voters approved 2016)
Tennessee
APR Cap: 24% APR for first $600
Virginia
APR Cap: 22% per month (264% APR)
All State Guides
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Important Information About Title Loans
Title loans are high-cost borrowing products. Before taking out a title loan:
- • Understand that APRs can range from 100% to 300% or higher
- • Only borrow what you can afford to repay
- • Consider alternatives like credit unions, payment plans, or personal loans
- • Know that defaulting can result in vehicle repossession
- • Verify your lender is licensed in your state
Find Licensed Lenders in Your State
Connect with verified title loan lenders operating legally in your state.
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