state,state_code,title_loan_law,rate_cap,loan_term,days_to_cure_before_repossession,deficiency_after_sale_allowed,statute,last_verified,page_url
Alabama,AL,Title-loan law,25% of the principal advanced per month (300% APR),At least 30 days,30,No,"Ala. Code §§ 5-19A-6, 5-19A-7, 5-19A-8 (Alabama Pawnshop Act, § 5-19A-1 et seq.)",2026-10-03,https://lenditup.com/title-loans/alabama/
Alaska,AK,No title-loan law (consumer-loan cap applies),"A vehicle-secured loan from a licensed lender is capped at 3% a month to $850 and 2% a month to $10,000 (AS 06.20.230)",,,Yes*,"AS 06.20.010, 06.20.230, 06.20.260, 06.20.285",2026-10-06,https://lenditup.com/title-loans/alaska/
Arizona,AZ,Title-loan law,Tiered per month: 17% / 15% / 13% / 10% (~120%-204% APR),,,Yes*,A.R.S. §§ 44-281 to 44-295 (rates § 44-291; licence § 44-282; default § 44-289(B)),2026-10-03,https://lenditup.com/title-loans/arizona/
California,CA,Title-loan law,"2.5% / 2% / 1.5% / 1% per month by balance on loans under $2,500 (Cal. Fin. Code § 22303); 36% a year plus the Federal Funds Rate on $2,500 to $9,999 (§ 22304.5); no state rate cap at $10,000 or more","1 year to 1,840 days",15,Yes*,"Cal. Fin. Code §§ 22000, 22303, 22304.5, 22328, 22334",2026-10-03,https://lenditup.com/title-loans/california/
Colorado,CO,No title-loan law (consumer-loan cap applies),"A vehicle-secured loan from a licensed lender is capped at 36%/21%/15% by balance, or 21% flat if greater (C.R.S. 5-2-201)",,20,Yes*,"C.R.S. 5-2-201(2), 5-2-214(7), 5-2-301, 5-5-110, 5-5-111, 4-9-609(b)",2026-10-06,https://lenditup.com/title-loans/colorado/
Delaware,DE,Title-loan law,No statutory cap — rate set by the loan agreement (5 Del. C. §§ 2250-2261),Up to 6 months,10,No,"5 Del. C. §§ 2250-2261 (Subchapter V, Title Loans)",2026-06-09,https://lenditup.com/title-loans/delaware/
District of Columbia,DC,No title-loan law (consumer-loan cap applies),A vehicle-secured loan from a licensed lender is capped at 24% a year all-in on loans of up to $200 (D.C. Code § 26-905),,,No,"D.C. Code §§ 26-901(a), 26-905, 26-912, 28-3301(a)",2026-10-06,https://lenditup.com/title-loans/district-of-columbia/
Florida,FL,Title-loan law,Tiered: 30% / 24% / 18%,30 days,30,No,"Fla. Stat. §§ 537.004, 537.008, 537.011, 537.012, 537.013",2026-10-03,https://lenditup.com/title-loans/florida/
Georgia,GA,Title-loan law,"25% of the principal per 30 days for the first 90 days (minimum $10), then 12.5% per 30 days (minimum $5) (O.C.G.A. § 44-12-131(a)(4)) — 300% APR at the 25% rate",Up to 30 days,30,No,"O.C.G.A. §§ 44-12-130 to 44-12-138 (charges § 44-12-131); § 44-14-403 (grace period, extensions, forfeiture)",2026-10-03,https://lenditup.com/title-loans/georgia/
Hawaii,HI,No title-loan law (consumer-loan cap applies),"A vehicle-secured loan is capped at 24% APR from a chapter 412 lender such as a financial services loan company, and generally 12% a year from other lenders (HRS §§ 412:9-302, 478-4)",,,Yes*,"HRS §§ 412:9-200(1), 412:9-302(b)(2), 478-4(a), 480J-2(a)(9)",2026-10-06,https://lenditup.com/title-loans/hawaii/
Idaho,ID,Title-loan law,No statutory rate cap — rate set by the loan agreement,Up to 30 days,10,No,Idaho Code § 28-46-501 to 509,2026-05-10,https://lenditup.com/title-loans/idaho/
Illinois,IL,Title-loan law,"36% APR, calculated as a military APR (205 ILCS 670/15(a); 815 ILCS 123/15-5-5) — Illinois licenses title-secured loans",,,Yes*,"205 ILCS 670/1, 670/15(a), 670/17.5; 815 ILCS 123/15-5-5; 38 Ill. Adm. Code 110 Subpart B",2026-10-06,https://lenditup.com/title-loans/illinois/
Indiana,IN,Title-loan law,"36% / 21% / 15% tiered, or 25% per year — whichever is greater",,,Yes*,"IC 37-2-4-35; IC 37-2-4-4; IC 37-2-4-23 (formerly IC 24-4.5-3-508, -201, -502, recodified by P.L. 115-2026 eff. 1 July 2026); 750 IAC 1-1-1",2026-10-02,https://lenditup.com/title-loans/indiana/
Iowa,IA,No title-loan law (consumer-loan cap applies),A vehicle-secured loan from a licensed lender is capped at 3% a month (Iowa Code § 536.13(4)),,,Yes*,"Iowa Code §§ 536.13(4), 536.14(2), 537.2501(1)(l), 537.3301(3) (as amended by 2026 Iowa Acts ch. 1072)",2026-10-06,https://lenditup.com/title-loans/iowa/
Kansas,KS,Title-loan law,36% APR cap under the Kansas UCCC (K.S.A. 16a-2-401(2)) — a prepaid finance charge of up to the lesser of 2% of the amount financed or $300 may be added on top (subsection (4)),,20,Yes*,K.S.A. § 16a-2-401(2) (finance charge); § 16a-2-401(4) (prepaid finance charge),2026-08-07,https://lenditup.com/title-loans/kansas/
Kentucky,KY,Title-loan law,"Tiered by loan size: 36% to $5,000; 29.04% to $10,000; 27% above (3%, 2.42%, 2.25% per month)",Up to 10 years,,Yes*,KRS 286.4-410; 286.4-530; 286.4-533; 286.4-580; 286.4-620 (Consumer Loan Companies),2026-08-06,https://lenditup.com/title-loans/kentucky/
Louisiana,LA,Title-loan law,"Tiered: 36% to $1,400; 27% to $4,000; 24% to $7,000; 21% above",,,Yes*,"La. R.S. 9:3519 (rates); 9:3527, 9:3529 (delinquency and returned-payment charges); 9:3530 (fees; origination fee $75 per Acts 2026, No. 402 (HB 545), eff. Aug. 1, 2026); 9:3557 (licence) — Louisiana Consumer Credit Law",2026-10-03,https://lenditup.com/title-loans/louisiana/
Maryland,MD,No title-loan law (consumer-loan cap applies),"A vehicle-secured loan from a licensed lender is capped at 2.75% / 2% a month (Md. Com. Law § 12-306(a)(6)), on loans of $1,400 or more",,,"Yes, with conditions","Md. Code, Com. Law §§ 12-306(a)(6), 12-307, 12-308(d), 12-311(c)",2026-10-06,https://lenditup.com/title-loans/maryland/
Massachusetts,MA,No title-loan law (consumer-loan cap applies),"A vehicle-secured loan from a licensed lender is capped at 23% a year plus a $20 fee on loans of $6,000 or less (209 CMR 26.01)",,21,"Yes, with conditions","M.G.L. c. 140 §§ 96, 100, 107; 209 CMR 26.01; c. 255 §§ 13I-13J",2026-10-06,https://lenditup.com/title-loans/massachusetts/
Michigan,MI,No title-loan law (consumer-loan cap applies),A vehicle-secured loan from a licensed lender is capped at 25% a year plus a processing fee (MCL 445.1854),,,Yes*,"MCL 493.2, 493.13, 445.1854(1)",2026-10-06,https://lenditup.com/title-loans/michigan/
Minnesota,MN,Title-loan law,"Greater of 21.75% APR, or 33% on the first $1,500 plus 19% above (Minn. Stat. § 47.59, subd. 3); title loans of $1,000 or less with more than 25% due within 60 days: 3% per month of the principal plus a storage/service fee (§§ 47.602, 325J.07)",,,"Yes, with conditions","Minn. Stat. § 47.59, Minn. Stat. § 56.131, Sec. 47.602 MN Statutes; Minn. Stat. § 325G.22; Minn. Dept. of Commerce adjusted dollar amounts eff. 1 July 2026",2026-10-02,https://lenditup.com/title-loans/minnesota/
Mississippi,MS,Title-loan law,25% of the principal advanced per month (300% APR),Up to 30 days,3,No,Miss. Code § 75-67-401 et seq.,2026-06-08,https://lenditup.com/title-loans/mississippi/
Missouri,MO,Title-loan law,No statutory rate cap — rate set by the loan agreement,At least 30 days,20,Yes*,"Mo. Rev. Stat. §§ 367.500 to 367.533 (title loans; $5,000 cap § 367.527); §§ 408.100, 408.140 (interest and fees); §§ 408.551 to 408.562 (default and cure)",2026-06-08,https://lenditup.com/title-loans/missouri/
Montana,MT,No title-loan law (consumer-loan cap applies),A vehicle-secured loan from a licensed lender is capped at 36% a year (MCA 32-5-301),,,Yes*,"MCA 32-5-102, 32-5-301, 32-5-303, 32-5-305; Title Loan Act (MCA 31-1-801 et seq.) repealed by Ch. 278, L. 2013",2026-10-06,https://lenditup.com/title-loans/montana/
Nebraska,NE,Title-loan law,"24% a year on the first $1,000 of the unpaid principal and 21% on the rest (Neb. Rev. Stat. § 45-349(1))",Up to 147 months,20,"Yes, with conditions","Neb. Rev. Stat. §§ 45-334 to 45-380 (Nebraska Installment Loan and Sales Act; rates § 45-349, cure § 45-353, deficiency § 45-354)",2026-10-03,https://lenditup.com/title-loans/nebraska/
Nevada,NV,Title-loan law,"No statutory APR cap — rate set by the agreement; after default, interest limited to the prime rate plus 10% for up to 90 days (NRS 604A.5085)",Up to 7 months,30,No,"NRS 604A.5074, 604A.5076, 604A.5078, 604A.5083, 604A.5085, 604A.5086",2026-10-03,https://lenditup.com/title-loans/nevada/
New Hampshire,NH,Title-loan law,"25% per month (300% APR) (RSA 399-A:18, I(f))",Up to 30 days,,Yes*,"RSA 399-A:1, XXI; 399-A:2 (licence); 399-A:15; 399-A:18; 399-A:19",2026-10-03,https://lenditup.com/title-loans/new-hampshire/
New Mexico,NM,No title-loan law (consumer-loan cap applies),A vehicle-secured loan from a licensed lender is capped at 36% APR all-in (NMSA § 58-15-17(J)); rises above 36% only if the prime rate exceeds 10% for three consecutive months (§ 58-15-17(L)),At least 4 months,,Yes*,NMSA 1978 § 58-15-3; § 58-15-17(J) (New Mexico Small Loan Act of 1955),2026-08-06,https://lenditup.com/title-loans/new-mexico/
North Carolina,NC,No title-loan law (consumer-loan cap applies),A vehicle-secured loan from a licensed lender is capped at 33% / 24% / 18% by balance (G.S. 53-176),1 year to 8 years,,Yes*,"G.S. 53-166(a), 53-176, 53-177(a), 53-180",2026-10-06,https://lenditup.com/title-loans/north-carolina/
North Dakota,ND,Title-loan law,36% APR (all-in cap),,,Yes*,N.D. Cent. Code § 13-04.1-09.3 (Money Brokers),2026-08-07,https://lenditup.com/title-loans/north-dakota/
Ohio,OH,Title-loan law,"25% a year interest (R.C. 1321.68), plus a loan origination charge of $15 up to $250 or 1% of the principal",At least 6 months,,Yes*,R.C. 1321.62 to 1321.702 (Consumer Installment Loan Act); Short-Term Loan Act licensees may not take a vehicle title (R.C. 1321.41(H)),2026-05-10,https://lenditup.com/title-loans/ohio/
Oklahoma,OK,Title-loan law,"Greater of 32% + federal funds rate on balances up to $7,000, 23% + FFR from $7,000 to $11,000 and 20% + FFR above; or 25% + FFR flat (14A Okla. Stat. § 3-508A(2))",,,Yes*,14A OK Stat § 3-508A (2025); 14A OK Stat § 3-104 (2025); 14A OK Stat § 3-201 (2025); 47 OK Stat § 965 (2025),2026-10-03,https://lenditup.com/title-loans/oklahoma/
Oregon,OR,Title-loan law,"36% per annum, plus a one-time origination fee of $10 per $100 capped at $30",At least 31 days,,Yes*,ORS 725A.062,2026-05-10,https://lenditup.com/title-loans/oregon/
Pennsylvania,PA,No title-loan law (consumer-loan cap applies),"A vehicle-secured loan from a licensed lender is capped at 2% a month on the unpaid balance, or $9.50 per $100 a year add-on (Consumer Discount Company Act)",,,Yes*,"7 P.S. §§ 6203, 6213 (CDCA § 13.B, E, F), 6217.1 (§ 17.1.A); 41 P.S. § 201",2026-10-06,https://lenditup.com/title-loans/pennsylvania/
South Carolina,SC,Title-loan law,"No cap on advances over $600 (lender-filed SCDCA rates, typically 100%-300% per year); advances of $600 or less are capped by S.C. Code § 34-29-140",30 days to 8 months,,No,SC Code § 37-3-201 (2025); SC Code § 37-3-305 (2025); SC Code § 34-29-140 (2025); SC Code § 37-3-413 (2025); SC Code § 37-3-503 (2025); SC Code § 37-5-110 (2025); SC Code § 56-19-390 (2025),2026-08-19,https://lenditup.com/title-loans/south-carolina/
South Dakota,SD,Title-loan law,36% APR (all-in cap),Up to 30 days,,No,"SDCL 54-4-36(17)-(19), 54-4-44, 54-4-52, 54-4-70, 54-4-71, 54-4-72",2026-10-03,https://lenditup.com/title-loans/south-dakota/
Tennessee,TN,Title-loan law,2% per month interest plus a fee of up to 20% of the original principal per 30 days (T.C.A. § 45-15-111) — about 264% APR,Up to 30 days,20,No,"T.C.A. §§ 45-15-105, 45-15-111, 45-15-113, 45-15-114, 45-15-115 (Tennessee Title Pledge Act); § 55-5-128",2026-10-03,https://lenditup.com/title-loans/tennessee/
Texas,TX,Title-loan law,No statutory cap on the credit access business fee — set by the loan agreement,Up to 6 months,,Yes*,"Tex. Fin. Code §§ 393.201, 393.221-393.222, 393.601-393.627 (credit access businesses)",2026-06-09,https://lenditup.com/title-loans/texas/
Utah,UT,Title-loan law,No statutory rate cap — rate set by the loan agreement,,,No,"Utah Code § 70C-2-101, Utah Code Title 7, Chapter 24",2026-06-08,https://lenditup.com/title-loans/utah/
Vermont,VT,No title-loan law (consumer-loan cap applies),A vehicle-secured loan from a licensed lender is capped at 18% a year (current or previous model year) or 20% (older vehicle) (9 V.S.A. § 41a(b)(4)),,,Yes*,"8 V.S.A. §§ 2201, 2230(a); 9 V.S.A. § 41a(b)(4)",2026-10-06,https://lenditup.com/title-loans/vermont/
Virginia,VA,Title-loan law,36% simple annual interest plus a monthly maintenance fee of up to the lesser of 8% of the loan or $15,6 months to 24 months,10,No,"VA Code § 6.2-2201, § 6.2-2215.1, § 6.2-2216, § 6.2-2217",2026-05-10,https://lenditup.com/title-loans/virginia/
Washington,WA,No title-loan law (consumer-loan cap applies),A vehicle-secured loan from a licensed lender is capped at 25% a year plus an origination fee (RCW 31.04.105),,,Yes*,"RCW 31.04.035, 31.04.105, 31.04.115(5), 31.04.125(1)",2026-10-06,https://lenditup.com/title-loans/washington/
West Virginia,WV,No title-loan law (consumer-loan cap applies),A vehicle-secured loan from a licensed lender is capped at 31% / 27% / 18% by loan size (W. Va. Code § 46A-4-107),,10,Yes*,"W. Va. Code §§ 46A-4-101, 46A-4-107, 46A-4-109, 46A-2-106",2026-10-06,https://lenditup.com/title-loans/west-virginia/
Wisconsin,WI,Title-loan law,No cap before maturity (§ 138.16(2)(b)1.); 2.75% per month after maturity,Up to 6 months,20,No,Wis. Stat. § 138.16,2026-10-03,https://lenditup.com/title-loans/wisconsin/
Wyoming,WY,Title-loan law,21%–36% (multi-cap),,,Yes*,W.S. 40-14-302 (licence); 40-14-310(f)-(g) (finance charge); 40-14-312; 40-14-314; 40-14-318,2026-10-03,https://lenditup.com/title-loans/wyoming/