Nebraska Title Loan Laws: Rate Cap, Terms and Repossession

By Lenditup Editorial Team · Law last verified October 3, 2026 · How we verify

Yes. Title loans are legal in Nebraska, and lenders must follow Neb. Rev. Stat. §§ 45-334 to 45-380.

Title loan rules in Nebraska at a glance

Title loan rules in Nebraska
Title-loan law	Neb. Rev. Stat. §§ 45-334 to 45-380
Rate cap	24% a year on the first $1,000 of the unpaid principal and 21% on the rest (Neb. Rev. Stat. § 45-349(1))
Fees the law allows	Lesser of $500 or 7% of the first $2,000 of principal plus 5% above (§ 45-349(5))
Loan term	Up to 147 months
Rollovers and renewals	No statutory renewal limit; refinancing and deferments permitted (Neb. Rev. Stat. § 45-349)
Repossession	Allowed after default
Time to catch up before repossession	20 days
Owe the balance after the car is sold?	Yes, with conditions. Only if the unpaid balance was more than $3,000 when the vehicle was repossessed or surrendered, and the lender disposed of it in good faith and in a commercially reasonable manner (Neb. Rev. Stat. § 45-354).
Lender license	Required
Statute	Neb. Rev. Stat. §§ 45-334 to 45-380 (Nebraska Installment Loan and Sales Act; rates § 45-349, cure § 45-353, deficiency § 45-354)

Source: Neb. Rev. Stat. §§ 45-334 to 45-380 (Nebraska Installment Loan and Sales Act; rates § 45-349, cure § 45-353, deficiency § 45-354) (read the law). We last checked it against the statute on October 3, 2026. See title loan laws in every state.

Maximum rate on each part of the balance in Nebraska

Maximum annual rate on each part of the balance in Nebraska
Part of the balance	Maximum rate
First $1,000	24%
Above $1,000	21%

Each rate applies only to that part of what you owe, so a larger loan has a blended rate between them (Neb. Rev. Stat. § 45-349(1)).

What a title loan costs in Nebraska

Under Nebraska's rate rules, borrowing $1,000 for 12 months costs $134.72 in interest at the maximum rate, so you repay $1,134.72. That is a 24% rate before any fee: the fee the law allows is not in these examples, and the APR in the lender's disclosure must include it. Your offer may differ.

Example title loan costs in Nebraska (interest only)
Loan	Term	Interest	Total repaid	Rate before fee
$1,000	12 months	$134.72	$1,134.72	24%
$2,500	12 months	$319.40	$2,819.40	22.8%
$5,000	12 months	$615.39	$5,615.39	21.99%

Nebraska also lets lenders charge a fee on top of the interest: Lesser of $500 or 7% of the first $2,000 of principal plus 5% above (§ 45-349(5)). 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 Nebraska gives you 20 days to catch up on missed payments first. If the car is sold for less than you owe, whether the lender can collect more depends on Nebraska law. Only if the unpaid balance was more than $3,000 when the vehicle was repossessed or surrendered, and the lender disposed of it in good faith and in a commercially reasonable manner (Neb. Rev. Stat. § 45-354).

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 Nebraska?

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 Nebraska law.

Title loan questions for Nebraska

01What is the most a title lender can charge in Nebraska?

24% a year on the first $1,000 of the unpaid principal and 21% on the rest (Neb. Rev. Stat. § 45-349(1)). Your contract must show the APR before you sign.

02How long is a title loan in Nebraska?

Up to 147 months, under Nebraska law.

03Can I roll over a title loan in Nebraska?

No statutory renewal limit; refinancing and deferments permitted (Neb. Rev. Stat. § 45-349). Each renewal adds cost, so ask for the total you will repay.

04What happens if I can't repay a title loan in Nebraska?

05Is Lenditup a title lender in Nebraska?

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 Nebraska 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.

Are title loans legal in Nebraska?