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Complete guide to title loans. See current APR ranges, state-by-state availability, how the loans work, and cheaper alternatives. Check your options free. Call (800) 236-7761 or check offers free to see your actual rate.
Federal and state loan regulations
- Federal oversight
- Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC)
- Truth in Lending Act
- Regulation Z requires clear disclosure of APR, finance charges, and loan terms before signing
- State licensing
- Lenders must be licensed in the borrower's home state and comply with local rate caps
- Military protections
- Military Lending Act (MLA) caps interest and fees at 36% MAPR for active-duty servicemembers
Regulator: Consumer Financial Protection Bureau · Phone: (855) 411-2372 · State-by-State Rules
Key facts about title loans
Title loans products vary by lender, credit profile, and state law. Here are the general parameters:
| What it is | 'title loan' head term + 'how do title loans work', 'title loan requirements', 'title loan vs' comparisons |
|---|---|
| Availability | Subject to state law and lender licensing. Check your state page for details. |
| Rates and terms | APR, amounts, and terms vary by state law, lender policy, and your credit profile. Lenders disclose exact terms before you sign. |
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