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Are title loans legal in Missouri?

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

Yes. Title loans are legal in Missouri, and lenders must follow the Missouri Title Loan Law, Mo. Rev. Stat. §§ 367.500 to 367.533.

Title loan rules in Missouri at a glance

Title loan rules in Missouri
Title-loan lawMissouri Title Loan Law, Mo. Rev. Stat. §§ 367.500 to 367.533
Rate capNo statutory rate cap — rate set by the loan agreement
Fees the law allows10% of the principal, up to $100; not on renewals (§ 408.140.1(1))
Largest loan$5,000
Loan termAt least 30 days
Rollovers and renewalsRenewal on written request is mandatory; from the third renewal the principal must be reduced by 10% at each renewal (§ 367.512.1(4))
RepossessionAllowed after default
Time to catch up before repossession20 days
Owe the balance after the car is sold?Yes, the lender may collect what the sale did not cover. Check the statute for any minimum balance
Lender licenseRequired (Missouri Division of Finance)
StatuteMo. 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)

Source: 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) (read the law). We last checked it against the statute on June 8, 2026. See title loan laws in every state.

What a title loan costs in Missouri

Rate rule in Missouri: No statutory rate cap — rate set by the loan agreement. We don't show a worked example for Missouri 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.

Missouri also lets lenders charge a fee on top of the interest: 10% of the principal, up to $100; not on renewals (§ 408.140.1(1)). A fee like this raises the APR, so compare the APR in the lender's written disclosure, which must include it.

What happens if you can't repay

If you fall behind, the lender can repossess your car, but Missouri gives you 20 days to catch up on missed payments first. If the car is sold for less than you owe, the lender may be able to collect the difference. Some states allow this only when the unpaid balance is above a set amount, so check the statute or ask the lender.

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

How to check a lender in Missouri

Title lenders in Missouri must be licensed (Missouri Division of Finance). Search for the lender on the official license lookup before you sign. Lenditup does not check lender licenses for you (see how we verify).

Looking for a loan in Missouri?

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 Missouri law.

Title loan questions for Missouri

01What is the most a title lender can charge in Missouri?
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 Missouri?
At least 30 days, under Missouri law.
03How much can I borrow on a title loan in Missouri?
Missouri caps title loans at $5,000. Lenders usually lend less than the car is worth, so your offer depends on its value.
04Can I roll over a title loan in Missouri?
Renewal on written request is mandatory; from the third renewal the principal must be reduced by 10% at each renewal (§ 367.512.1(4)). Each renewal adds cost, so ask for the total you will repay.
05What happens if I can't repay a title loan in Missouri?
If you fall behind, the lender can repossess your car, but Missouri gives you 20 days to catch up on missed payments first. If the car is sold for less than you owe, the lender may be able to collect the difference. Some states allow this only when the unpaid balance is above a set amount, so check the statute or ask the lender.
06How do I check that a title lender is licensed in Missouri?
Title lenders in Missouri must be licensed (Missouri Division of Finance). You can look a lender up in the official license search.
07Is Lenditup a title lender in Missouri?
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 Missouri 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.