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Are title loans legal in Idaho?

By Lenditup Editorial Team · Law last verified · How we verify

Yes. Title loans are legal in Idaho, and lenders must follow the Idaho Code § 28-46-501 to 509.

Title loan rules in Idaho at a glance

Title loan rules in Idaho
Title-loan lawIdaho Code § 28-46-501 to 509
Rate capNo statutory rate cap — rate set by the loan agreement
Loan termUp to 30 days
Loan-to-value limit100.00
Rollovers and renewalsAutomatic 30-day renewals, no count limit; from the third renewal each requires a payment of at least 10% of the original principal (Idaho Code § 28-46-506)
RepossessionAllowed after default
Time to catch up before repossession10 days
Owe the balance after the car is sold?No, the lender cannot collect a remaining balance
Lender licenseRequired
StatuteIdaho Code § 28-46-501 to 509

Source: Idaho Code § 28-46-501 to 509 (read the law). We last checked it against the statute on May 10, 2026. See title loan laws in every state.

What a title loan costs in Idaho

Rate rule in Idaho: No statutory rate cap — rate set by the loan agreement. We don't show a worked example for Idaho because the law doesn't fix one price. Compare the APR and the total you will repay in each lender's written disclosure before you sign.

What happens if you can't repay

If you fall behind, the lender can repossess your car, but Idaho gives you 10 days to catch up on missed payments first. If the car is sold, the lender cannot come after you for any balance the sale did not cover.

If you think you will miss a payment, call the lender before the due date and ask what options it offers.

Looking for a loan in Idaho?

A title loan puts your car at risk, so compare it with a personal installment loan first. If a title loan is still the right fit, you can send one request and see what lenders and lending marketplaces in our network offer.

Start a title loan request

Lenditup is not a lender. Sending a request does not mean you will be approved; each lender sets its own rates and terms within Idaho law.

Title loan questions for Idaho

01What is the most a title lender can charge in Idaho?
No statutory rate cap — rate set by the loan agreement. Your contract must show the APR before you sign.
02How long is a title loan in Idaho?
Up to 30 days, under Idaho law.
03Can I roll over a title loan in Idaho?
Automatic 30-day renewals, no count limit; from the third renewal each requires a payment of at least 10% of the original principal (Idaho Code § 28-46-506). Each renewal adds cost, so ask for the total you will repay.
04What happens if I can't repay a title loan in Idaho?
If you fall behind, the lender can repossess your car, but Idaho gives you 10 days to catch up on missed payments first. If the car is sold, the lender cannot come after you for any balance the sale did not cover.
05Is Lenditup a title lender in Idaho?
No. Lenditup is not a lender. We connect you with lenders and lending marketplaces in our network, and the lender you choose sets your rate and terms within Idaho law.

Title loan laws in other states

Compare every state side by side on the state title loan law table, or read how title loans work and what lenders ask for.