Pennsylvania has no law written for title loans. A loan secured by your car is treated as an ordinary licensed consumer loan, so the state's consumer-loan rate cap applies.
Title loan rules in Pennsylvania at a glance
| Title-loan law | None. Car-secured loans follow the consumer-loan rules |
|---|---|
| Rate cap | 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) |
| Fees the law allows | Service charge of $1.50 per $50, up to $150 (CDCA § 13.F) |
| Repossession | Allowed after default |
| 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 license | Required (Pennsylvania consumer discount company licence (Department of Banking and Securities)) |
| Statute | 7 P.S. §§ 6203, 6213 (CDCA § 13.B, E, F), 6217.1 (§ 17.1.A); 41 P.S. § 201 |
Source: 7 P.S. §§ 6203, 6213 (CDCA § 13.B, E, F), 6217.1 (§ 17.1.A); 41 P.S. § 201 (read the law). We last checked it against the statute on October 6, 2026. See title loan laws in every state.
What a title loan costs in Pennsylvania
Under Pennsylvania's rate rules, borrowing $1,000 for 12 months costs $134.72 in interest or fees, so you repay $1,134.72 (24% APR). Your offer may differ.
| Loan | Term | Interest and fees | Total repaid | APR |
|---|---|---|---|---|
| $1,000 | 12 months | $134.72 | $1,134.72 | 24% |
| $2,500 | 12 months | $336.79 | $2,836.79 | 24% |
| $5,000 | 12 months | $673.58 | $5,673.58 | 24% |
The examples above already include the fee Pennsylvania allows: Service charge of $1.50 per $50, up to $150 (CDCA § 13.F). The lender's written disclosure must show the APR with it.
What happens if you can't repay
If you fall behind, the lender can repossess your car. Read the default and notice terms in your contract before you sign. 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 Pennsylvania
Title lenders in Pennsylvania must be licensed (Pennsylvania consumer discount company licence (Department of Banking and Securities)). 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 Pennsylvania?
The lenders in our network don't currently offer title loans in Pennsylvania. If you need money, these options don't put your car at risk:
- A personal loan. You can send one personal loan request; lenders in our network decide whether they lend in Pennsylvania. Read how installment loans work first.
- A credit union. Federal credit unions can offer small payday alternative loans with capped rates (NCUA rule). You usually need to be a member.
- Your creditors. If a bill is the problem, ask the company for a payment plan or a later due date before you borrow.
Lenditup is not a lender. Sending a request does not mean you will be approved; each lender sets its own rates and terms within Pennsylvania law.
Title loan questions for Pennsylvania
01What is the most a title lender can charge in Pennsylvania?
02What happens if I can't repay a title loan in Pennsylvania?
03How do I check that a title lender is licensed in Pennsylvania?
04Is Lenditup a title lender in Pennsylvania?
Title loan laws in other states
- Alabama
- Alaska
- Arizona
- California
- Colorado
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Mexico
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Compare every state side by side on the state title loan law table, or read how title loans work and what lenders ask for.