This table compares the title loan rules in 44 states and DC. 15 of them have no law written for title loans, so a car-secured loan there follows ordinary consumer-loan rate caps. Each row links to the full state page and its statute.
| State | Title-loan law | Rate cap | Loan term | Days to catch up | Owe balance after sale? | Last verified |
|---|---|---|---|---|---|---|
| Alabama | Title-loan law | 25% of the principal advanced per month (300% APR) | At least 30 days | 30 | No | 2026-10-03 |
| Alaska | 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* | 2026-10-06 | ||
| Arizona | Title-loan law | Tiered per month: 17% / 15% / 13% / 10% (~120%-204% APR) | Yes* | 2026-10-03 | ||
| California | 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* | 2026-10-03 |
| Colorado | 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* | 2026-10-06 | |
| Delaware | Title-loan law | No statutory cap — rate set by the loan agreement (5 Del. C. §§ 2250-2261) | Up to 6 months | 10 | No | 2026-06-09 |
| District of Columbia | 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 | 2026-10-06 | ||
| Florida | Title-loan law | Tiered: 30% / 24% / 18% | 30 days | 30 | No | 2026-10-03 |
| Georgia | 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 | 2026-10-03 |
| Hawaii | 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* | 2026-10-06 | ||
| Idaho | Title-loan law | No statutory rate cap — rate set by the loan agreement | Up to 30 days | 10 | No | 2026-05-10 |
| Illinois | 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* | 2026-10-06 | ||
| Indiana | Title-loan law | 36% / 21% / 15% tiered, or 25% per year — whichever is greater | Yes* | 2026-10-02 | ||
| Iowa | 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* | 2026-10-06 | ||
| Kansas | 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* | 2026-08-07 | |
| Kentucky | 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* | 2026-08-06 | |
| Louisiana | Title-loan law | Tiered: 36% to $1,400; 27% to $4,000; 24% to $7,000; 21% above | Yes* | 2026-10-03 | ||
| Maryland | 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 | 2026-10-06 | ||
| Massachusetts | 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 | 2026-10-06 | |
| Michigan | 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* | 2026-10-06 | ||
| Minnesota | 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 | 2026-10-02 | ||
| Mississippi | Title-loan law | 25% of the principal advanced per month (300% APR) | Up to 30 days | 3 | No | 2026-06-08 |
| Missouri | Title-loan law | No statutory rate cap — rate set by the loan agreement | At least 30 days | 20 | Yes* | 2026-06-08 |
| Montana | 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* | 2026-10-06 | ||
| Nebraska | 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 | 2026-10-03 |
| Nevada | 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 | 2026-10-03 |
| New Hampshire | Title-loan law | 25% per month (300% APR) (RSA 399-A:18, I(f)) | Up to 30 days | Yes* | 2026-10-03 | |
| New Mexico | 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* | 2026-08-06 | |
| North Carolina | 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* | 2026-10-06 | |
| North Dakota | Title-loan law | 36% APR (all-in cap) | Yes* | 2026-08-07 | ||
| Ohio | 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* | 2026-05-10 | |
| Oklahoma | 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* | 2026-10-03 | ||
| Oregon | Title-loan law | 36% per annum, plus a one-time origination fee of $10 per $100 capped at $30 | At least 31 days | Yes* | 2026-05-10 | |
| Pennsylvania | 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* | 2026-10-06 | ||
| South Carolina | 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 | 2026-08-19 | |
| South Dakota | Title-loan law | 36% APR (all-in cap) | Up to 30 days | No | 2026-10-03 | |
| Tennessee | 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 | 2026-10-03 |
| Texas | Title-loan law | No statutory cap on the credit access business fee — set by the loan agreement | Up to 6 months | Yes* | 2026-06-09 | |
| Utah | Title-loan law | No statutory rate cap — rate set by the loan agreement | No | 2026-06-08 | ||
| Vermont | 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* | 2026-10-06 | ||
| Virginia | 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 | 2026-05-10 |
| Washington | 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* | 2026-10-06 | ||
| West Virginia | 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* | 2026-10-06 | |
| Wisconsin | Title-loan law | No cap before maturity (§ 138.16(2)(b)1.); 2.75% per month after maturity | Up to 6 months | 20 | No | 2026-10-03 |
| Wyoming | Title-loan law | 21%–36% (multi-cap) | Yes* | 2026-10-03 |
A blank cell means the statute sets no rule on that point, or we have not confirmed one. We leave it blank rather than guess. *Yes means the lender may collect a balance the sale did not cover; some states allow this only above a set unpaid amount. "Yes, with conditions" means the law allows it only in some situations, such as above a set unpaid balance or after the lender follows set steps; the state page names them. The state page links the statute.
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This table describes the law, not any lender's offer, and it is not legal advice. Lenditup is not a lender. Most recent check: October 6, 2026.