If you own a vehicle, an online title loan may be a solution to getting quick cash. However, whether you can get one and how much you can get depends on your vehicle’s value and where you live. Car title loans are not regulated on a federal level, aside from requiring lenders to give you the terms and costs of the loan in writing before you sign (per the Truth in Lending Act). Whether these loans are legal is left to each state. Last Reviewed: January 2026.
You can review the details below to see what regulations apply to vehicle equity loans in your state. The legality of these loans varies by state: some permit car title loans freely, others allow them with more restrictions, and some don’t.
Car Title Loan Lending – State Limits & Restrictions
When looking at the laws below, you’ll see a breakdown of the standard regulations placed on car title loans. These restrictions include limits on loan amount, monthly cost, and loan duration (term). Loan amount limits cover how much you can borrow, cost limits limit the fees and interest rates involved with the loan, and term limits limit your repayment period. Before we get into the details, here’s a quick look at loan, cost, and term limits by state.
Non-restrictive auto title loan states: Here, we’ll explore each state’s laws and explain the current limits and restrictions (if any).
Alabama
Per the Alabama Pawnshop Act, Alabama has rather relaxed lending laws, with no maximum loan limit or regulations on fees. However, costs are capped at 25% per month, which calculates to a 300% APR. Terms are limited to one month.
Arizona
Arizona has no set maximum limits for car title loans and very few lending limits on registration loans. Under the Arizona Revised Statutes, you can be charged up to 204% APR.
Delaware
Delaware does not cap the loan amount, fees, or costs for title loans. Delaware offers terms of 30 to 180 days, including rollovers.
Georgia
In Georgia, you face no maximum loan limits on auto title loans. According to the Georgia Consumer Protection Division, terms are set for 30 days and can be extended if needed. The cost limit is 25% for the first three months. However, they drop to 12.5% with a lien fee.
Idaho
Idaho allows auto title loans based on the vehicle’s retail value. Terms are set for 30 days with options to renew. After your third renewal, you must pay 10% of the principal for each subsequent renewal. There are no limits to the costs or fees.
Illinois
Illinois allows loans of $4,000 or half of your monthly income, whichever is less. There are no limits on costs, although check cashing fees are prohibited. Payments in Illinois must be made in equal installments, and loans must be issued 15 days apart. You can create one renewal, but you must pay 20% toward the principal to do so.
Mississippi
According to the state’s Title Pledge Act, Mississippi allows auto title loans up to $2,500 and limits the cost to 25% per month, equaling a 300% APR.
Missouri
The Missouri Division of Finance limits online title loans to $5,000, with no caps on borrowing costs. Origination fees and $25 NSF fees are allowed, and terms must be at least 30 days. If you want to renew for a third time, you must pay 10% of the outstanding principal.
Nevada
Nevada allows car title loans equal to the vehicle’s fair market value and puts no caps on costs. NSF fees are the only fees allowed. Terms are for 30 days, and six renewals are permitted.
New Hampshire
The maximum loan limit in New Hampshire is $10,000 for auto title loans. Costs are limited to 25% monthly interest plus a lien fee, which together calculate to approximately a 300% apr. Terms are for one month, but you can renew up to 10 times as long as you pay down 10% of the loan each time.
New Mexico
The New Mexico Small Loan Act regulates title loans within the state. Repayments must be made in a single installment, and a 5% late fee applies if your payment is 10 days or more late. House Bill 132, enacted in 2023, set a cap of 36% on all interest rates for consumer loans ranging from $2,500 to $10,000.
Tennessee
In Tennessee, car title loans are allowed for up to $2,500, with costs limited to one-fifth of the loan amount plus 2% per month. According to the Tennessee Title Pledge Act, the max APR is 264%. The terms are for 30 days but can be renewed automatically. If you renew a third time, you must pay 5% of the outstanding loan amount.
Texas
Texas has no maximum loan amount for car title loans, but there are still caps on fees and interest rates. Terms can range from 30 to 180 days; single-payment and installment loans are available.
Utah
Utah allows title loans for the vehicle’s fair market value and doesn’t set limits on costs or fees.
Virginia
Virginia allows for online title loans for half of the fair market value of your car. Lenders can charge varying amounts based on your outstanding balance, up to a 264% APR. The more you owe, the lower your rate. Terms range from 120 days to 12 months, with a 24-month cap. No renewals or rollovers are allowed, which is unique compared to other states.
Wisconsin
Wisconsin allows auto title loans for half of your vehicle’s value, with a maximum limit of $25,000. There are no caps on fees or interest, and terms are limited to six months.
States That Have Limits On Title Loan Rates & Loan Amounts
Next, look at the states that allow auto title loans but have more restrictive laws to limit costs.
California
California recently passed AB 539, which caps interest rates on loans of $2,500 to $10,000 at an annual simple interest rate of 36%. An administrative fee, ranging from $50 to $75, may also be charged. All loans have minimum terms of 12 months, and no prepayment penalties are allowed. Rates on loans under $2,500 are capped at 30% per year. Before this bill, consumer loans in California ranged from $2,500 to $10,000, had no caps, and lenders could charge rates above 100%.
Kansas
Kansas limits auto title loans to $2,500 annually and a maximum annual interest rate of 36%. According to Kansas House Bill 2235, loan terms are 30 days and can be extended twice.
South Carolina
South Carolina offers vehicle title loans for the car’s fair market value for one month or longer. You can renew the payment term one to six times. The costs can include an origination fee of 7% to $56, and interest charges are as follows: $2.50 per week for loans of $150, $25 per $100 up to $600 for loans of $150 to $2,000, $18 per $100 on loan amounts from $600 to $1,000, and $12 per $100 on amounts from $1,000 to $2,000.
Louisiana
Louisiana allows auto title loans of at least $3,500 with no maximum, two-month terms, and a 36% maximum interest rate.
Minnesota
As of 2026, Minnesota allows car and RV title loans with a maximum loan amount of $1,000. If you borrow $50 or less, the fee limit is $5.50. If you borrow $50 or more, the maximum charge is 10% within 30 days.
South Dakota
In South Dakota, title loans up to $500 are permitted for an initial one-month term that can be renewed for additional one-month periods up to four times. When renewing on the fifth through eighth time, you must pay 10% of your original principal amount each time plus any due finance charges. The maximum APR is 36%.
Florida
Florida title loan companies don’t have a maximum loan amount. Car title loan companies in Florida can assess an interest rate of up to 30% per year on amounts up to $2,000, 24% per year on amounts from $2,000 to $3,000, and 18% per year on amounts over $3,000. The maximum APR is 12 times the total monthly rate. Loan agreements are for 30 days and can go for additional 30-day periods.
Oregon
Oregon allows auto title loans and doesn’t specify a maximum loan limit. The terms must be at least 31 days and no more than 60 days. The loan cannot be renewed more than twice. A one-time origination fee can be charged at $10 per $100 of the loan amount or $30, whichever is less. The APR, including all interest and fees, is limited to 153.77%.
States That Prohibit Car Title Loans
In the remaining states (shown below), car title loans may be illegal or outright banned, so you may want to consider other borrowing options like a personal loan, a cash advance, or a payday loan (if allowed).
- Alaska
- Arkansas
- Colorado
- Connecticut
- Hawaii
- Indiana
- Iowa
- Kentucky
- Maine
- Maryland
- Massachusetts
- Montana
- Nebraska
- New Jersey
- New York
- North Carolina
- North Dakota
- Ohio
- Pennsylvania
- Rhode Island
- Vermont
- Washington D.C.
- West Virginia
- Wyoming
