Title Loan Laws by State: Check Your State’s Rules

Car title loan rules are set state by state. In some states licensed lenders can charge triple-digit APRs; in others a rate cap keeps title lenders out entirely, and a few ban the product outright. Pick your state below for the short answer, then read the full guide for the details.

What the three statuses mean

• Legal: the state licenses title lenders. Rules on fees, loan size, renewals and repossession still apply, and some cities add their own.
• Restricted: title loans aren’t banned by name, but rate caps or licensing rules make high-cost title loans hard or impossible to offer legally. Few or no licensed title lenders operate.
• Not allowed: state law prohibits high-cost car title loans.

Every state result comes from our state guides, which we check against the state’s statutes and regulator. The checker reads them directly, so it always matches the guide.

Frequently asked questions

Can I get a title loan online from a lender in another state?

Lenders generally must follow the law of the state where you live, and many states require them to be licensed there. An online offer in a state where title loans are restricted or banned is a red flag. Check the lender’s license with your state regulator before you share your title or bank details.

Where does this information come from?

From each state’s statutes, its financial regulator and attorney general, reviewed in October 2026 and dated on every result. Laws change, so confirm with the regulator linked in your result.

What if title loans aren’t allowed where I live?

See cheaper alternatives to a title loan or take our alternatives quiz.